In what way is Suning Financial's discretionary payment consumption record uploaded to the credit information system?

Hello! Suning's voluntary payment adopts the same submission rules as credit cards, and submits a credit report in combination with monthly bills. The credit report is only summarized as a record by the investor.

It should be reminded that the impact of arbitrary payment on users depends on the users themselves. If users use self-payment and repay on time, it proves that users have good consumption habits and credit records, and it will be smoother when applying for loans in the future. On the contrary, if users have bad records such as overdue, it will have an adverse impact on personal credit and even be restricted by consumption. Therefore, if we keep a good credit record, it will bring a lot of convenience to our life.