Whether Gitzo's mobile phone passes the customs by stages depends on whether the user's personal credit information is good. Because Gitzo's mobile phone installment requires user authorization to access the personal credit information system, personal credit information is one of the bases for Gitzo's mobile phone installment loan. If the user's personal credit report is good, Gitzo mobile phone will pass by stages; On the contrary, it is not easy to pass.

Users can see in the installment agreement of Gitzo mobile phone: "From the date when I sign this authorization to the date when the final result is determined or the repayment date, Gitzo mobile phone is authorized to inquire, save and use my credit report in installments through the credit information system for reviewing loan applications."

When the user agreement of the loan software has relevant words, it proves that the loan software will check the credit information. Under normal circumstances, the loan software that needs to check credit information is based on the user's personal credit report.

When users apply for Gitzo mobile installment loans, they need to print personal credit reports at the People's Bank of China or the People's Bank of China branch, and decide whether to apply for Gitzo mobile installment loans by looking at the personal credit reports.

Before going to the People's Bank of China or the People's Bank of China Branch, users need to bring the original and photocopy of their valid identity documents, fill in the Application Form for Personal Credit Report Inquiry at the inquiry outlets, and then submit the inquiry application.