Are you familiar with staging? It has brought too much plasticity to our lives, especially young people who have just come out to work, and they don't have to bear too much economic pressure.

Staging can effectively alleviate our funding problem. When we are able to repay, we can choose to repay in full. When we can't repay the loan in full for the time being, we can repay the loan by installments, only paying some extra fees, and even some installments are interest-free. As we all know, if the credit card can't pay off the debt on time, it will affect our credit score, and if it is serious, it will bring inconvenience to our lives. Will installment repayment be used for credit reporting?

Theoretically, we will conduct credit investigation, but as long as we repay the loan on time, it will not affect our credit investigation score. Every installment payment will be recorded in the central bank's credit information system, but as long as you are not overdue and repay on time, there will be no overdue records in the credit information, which will cause adverse effects. Credit system does not mean bad. Other systems may only keep records. As long as we operate correctly, it will generally have no effect. So don't worry about the inconvenience caused by the credit report to installment repayment.

Otherwise, the issuing bank will not launch the installment repayment mechanism, will it? If you can repay the loan on time, maybe the more you use it, the bank will regard you as trustworthy and a good customer. Maybe the increase will be easier to pass. Even in the future, the loan amount for buying a house and car will be higher.

Credit records are required to apply for a credit card. If there is no illegal act in your record, you can handle it successfully. If you don't repay on time during normal use, your credit record will be tarnished, so you must repay in time when you handle the installment business. At the same time, you can get the credit analysis report in real time to see if you have any abnormalities and what consumption aspects you need to pay attention to.

As for installment, as long as we use it correctly and repay it on time, it will not affect our credit score. If you can't repay on time, remember to apply for installment repayment or minimum repayment amount.