Huabei was overdue for more than one year and called to say that he had a criminal record after filing the case.

Recorded. Before opening Huabei, an electronic agreement must be signed. The content of the agreement clearly stipulates that Huabei repayment cannot be overdue for more than six months. If it is overdue for more than six months, it will be filed and the credit value will be reduced. If it is overdue for more than three years and the credit value is not changed, the credit value will be cleared and kept in the record. Therefore, calling to notify for more than one year after the due date is to urge repayment and eliminate the record.