Legal analysis: it will have an impact. Credit impact: it will reduce the borrower's loan amount. Do not give the borrower preferential interest rate or make the loan interest rate rise. If there are many bad credit records, the borrower's loan application will be rejected directly. It has an impact on recruitment, job hunting, renting a house and even going abroad for visas. Credit information difference will be blacklisted by the central bank, which will bring a lot of inconvenience to life. Behavior that affects personal credit information: Arrears of water and telephone charges will affect your personal credit information. If the borrower has too much debt. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system. The borrower defaults when applying for personal loan. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list. The borrower's credit card is overdue. If the cardholder forgets to repay or has been in arrears, more than six repayments in one year will be recorded.

Legal Basis: "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith" Article 1 If the executed person fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and impose credit punishment on him according to law: (1) If he has the ability to perform and refuses to perform the obligations specified in the effective legal document; (2) Obstructing or resisting execution by forging evidence, violence or threats; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.