if the credit score of kidney beans is less than 3 months, you can reapply. Because the comprehensive score of kidney beans is insufficient, it is necessary to maintain a good reputation for at least 3 months. Therefore, if the credit score of kidney beans is less than 3 months, you can apply again. Kidney bean branch is a personal consumer credit product under Suzhou Ruiying Information Technology Co., Ltd., and it is a formal microfinance company with a financial license.