1, affecting personal credit information: if users repay on time, it will have a positive impact on personal credit records and help improve personal credit score; On the contrary, if the user is overdue or in arrears, it will have a negative impact on the personal credit report and reduce the personal credit score.
2. Affect the personal debt ratio: If users buy a large number of goods by stages, it will increase the personal debt ratio and have an impact on users' future financial services such as loans and credit card applications.
3. Affect personal consumption habits: After Xiaomi is opened by stages, users can purchase goods by stages, which will stimulate users' desire for consumption and increase personal consumption expenditure.