Legal analysis: Under the influence of the epidemic, users' repayment ability will definitely be affected. As long as the user informs the bank of the actual situation, the bank will extend the loan period of the user and give the user more time to raise funds. The cause of the epidemic is force majeure, and no one can control the arrival of the epidemic. Banks will carefully consider the impact of the epidemic on users' ability to repay loans. If the user's loan is overdue due to the epidemic, the overdue loan will have an impact on the user's credit information. In this case, users can apply to the Credit Management Center of China People's Bank for adjustment of overdue credit information.

Legal basis: Article 1030 of the Civil Code of People's Republic of China (PRC) * * * The relationship between civil subjects and credit information processors such as credit reporting agencies shall be governed by the provisions of this part on the protection of personal information and the relevant provisions of other laws and administrative regulations.