Lending treasure reached a cooperative relationship with the central bank's credit information. Personal credit will not be affected if repayment is made on time. If the borrower fails to repay, the overdue record will be uploaded to the credit information system of the People's Bank of China, so the overdue repayment of Lending Treasure will affect personal credit. Bad credit will affect the loan to buy a house and a car in the future, and those with serious circumstances will be listed as untrustworthy enforcers.
In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuanzheng Credit Information.