Hello, if you don't rule out the possibility of a long-term telephone interview. According to regulatory requirements, users' credit information needs to be inquired when granting credit. When applying, you need to agree to authorize credit inquiry before you can operate the next step. Secondly, there will be an authorization agreement, and there is no way to cancel it at present, so as long as you make a quota, there will be a credit record inquiry in future loan applications. Baidu has the money to spend in line with national regulatory requirements, and overdue records will be left on the credit report. So I suggest you cherish your credit and repay on time.