Does Card Wan Li Loan have a personal credit report? No, what's the impact?

I also want to know whether Shanghai Kadvanli commercial factoring pos loan can get credit information from the central bank.

Their headquarters called me and said they would charge me 100 credit registration fee! I asked what was going on, and people said to register my loan in the credit report! Just like a bank loan, you will show me how much the loan is and how much money is left after repayment. ) Is it true, or are you fooling me into making a good repayment? Tell me if you know the truth. Thank you.