1. Good credit record: Since mobile phone installment payment belongs to the credit category, the platform usually pays attention to the customer's credit situation when reviewing customer qualifications. If the customer's credit record is not good, such as a loan overdue record or excessive inquiry records, this may increase the platform's concerns and be detrimental to the customer's mobile installment payment business.

2. Stable income: After customers apply for mobile phone installment payments, they need to repay the installment bills as agreed, which requires customers to have a stable source of income. When the system reviews customer qualifications, if it is found that the customer's income is insufficient, the platform may be worried that the customer may be overdue in the future, and in order to control risks, the customer's application may not be approved.

3. Provide valid documents: When carrying out mobile phone installment payment business, customers need to provide valid identity documents. The system will carefully check the customer's personal information and require the customer to upload a valid ID and complete real-name authentication. For most customers, providing valid documentation is not difficult.

4. Have the capacity for civil conduct: Since mobile phone installment payments are credit activities, in order to control risks as much as possible, the platform will require customers to have full capacity for civil conduct. Customers must be over 18 years old and not unable to bear debt responsibilities due to physical or other reasons.

5. Have sufficient installment credit: To purchase a mobile phone by installment, you need to pay the purchase fee in one go and then repay it in installments as agreed. Therefore, when customers apply for installment, they need to have sufficient installment quota. If the quota is insufficient, the system may reject the customer's installment request.

Is credit check required for installment payment?

A credit report will be checked for credit card installment repayment. The specific method of checking credit report depends on whether the credit report will be checked when applying for installment payment. After the loan is approved, your personal credit record will be checked. After making an installment payment, each time an installment payment SMS is sent to the bank, the amount and number of installments applied for next will be displayed.