It doesn't matter if the borrower repays on time. If the borrower fails to repay the loan on time, there will be two credit records, which will be seriously hacked.

Impact: According to the regulations of the People's Bank of China, loans owed to the bank for three consecutive times or 90 days in total will be blacklisted by the credit information system. If the bank loan is returned, the loan and other related businesses can be handled normally after ten years.