When a citizen with a bad credit record borrows money from a bank and fails to repay it as agreed, the bank will submit relevant information to the People's Bank of China, and the People's Bank of China will write the above behavior into the citizen's personal credit record. Such a record is called a bad credit record.
If the minimum repayment amount can be guaranteed and only the loan interest is charged, it will not be overdue and there will be no bad record. A bad record is a failure to fulfill repayment obligations after a malicious overdraft.
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