Now it is a credit society, and only those with good credit can walk more smoothly in society. What's the impact now that the credit has been collected? First, the repayment is timely, there is no overdue phenomenon, and credit will be normal. Second, if you don't repay on time, everyone's credit history will have overdue records. Once the bad record reaches 6 times, it will be blacklisted by the bank. You can't apply for car loans and mortgages in the future.