No matter you are a company or an individual, banks can check your credit status through the credit information system of the People's Bank of China. If you have past overdue records and arrears records, you can check them clearly. I suggest that you never take any chances and repay the principal and interest on time.

However, it does not rule out that some rural financial institutions did not access the credit information system of the People's Bank of China in time, and there were cases of missing reports!