When reviewing the loan, the bank will comprehensively evaluate the borrower's past credit records and assets and liabilities as the basis of your credit situation. If the mobile phone installment comes from online loan or p2p platform, it may have a negative impact on personal credit qualification. Formal financial institutions sometimes directly refuse people who lend in p2p and online lending institutions; If consumption from formal financial institutions is phased, as long as there is no debt, there will be no impact.