The article shows how sharing credit information through a public registry affects banks' lending decisions. The study used data from a Chinese bank and found that sharing information doesn't reduce credit rationing overall. However, borrowers with shared information from other banks get higher credit limits. Positive shared information boosts lending, but negative information doesn't have a significant impact. The public registry helps the bank use its own information better. Overall, sharing information helps overcome some barriers in China's credit card market, but not completely.