1, you can go to the central bank to check the credit information. If it shows that you are overdue, it is a credit investigation;

Ps: Whether to apply for credit information is subject to the query results of the central bank's credit information system, but there may be delays. It is recommended to confirm after inquiry.

2. Although it is not creditable, it is really possible to be blacklisted.

3. At present, many loan companies will cooperate in data and synchronize the data of overdue repayment list.

If you don't have a credit report, you may not be able to borrow money elsewhere.