First of all, many bank credit card centers now adopt the credit score of Alipay Sesame Credit. Secondly, in the event of a lawsuit, those who fail to fulfill their repayment obligations after the judgment will be included in the "list of untrustworthy people" and the credit investigation is overdue. The credit card centers of various banks will regularly check the credit information (post-loan management). Once found, it will reduce the amount, stop the card and freeze the account.