Wing payment, as an electronic payment tool, does not directly participate in the credit information system. However, if users are involved in borrowing or lending when using Wing Payment, they may submit relevant loan information and repayment status to the credit information system. This means that if the user fails to repay the loan within the time limit or has other bad credit records, this information may be recorded in the credit report, which will have an impact on personal credit evaluation. Therefore, wing payment is to buy credit information.