Normal repayments on Alibaba credit will be reported to the credit bureau, and Cheng e Credit will be reported to the credit bureau, but when users are overdue, Cheng e Credit will not report directly to the credit bureau. Since Cheng e Credit is insured by Sunshine Insurance Company, it means that once a user is overdue, Sunshine Insurance will compensate for it. After the insurance company compensates, it will upload the user's overdue record to the credit system according to the actual situation. However, if the user uses Cheng e Credit normally and repays on time, it will not be reported to the credit bureau.