Do you come to credit in installments, and do you want to borrow in installments on credit

Yes. It turns out that to withdraw cash in installments is to borrow, and it needs to be opened to achieve it. The specific steps are as follows:

2. At this time, you need to click the option of [Follow Life Account].

3. It will jump to a new interface, click [Installment Shopping] at the bottom.

4. After the prompt [Service Authorization], you need to click [Confirm Authorization].

5. Next, enter your mobile phone number and verification code and click [Register].

6. Enter your name, ID number and common delivery address here, and if there is no problem, you can click [Get Quota].

7. In this way, you will be notified of [credit evaluation passed], and you can withdraw cash in installments according to the loan amount.

The installment is not connected to the credit information system of the People's Bank of China, that is to say, it is not credit. However, when applying for a loan on the installment platform, the platform needs to look at the applicant's sesame credit score, and only if the sesame credit score is above 600, you will have the opportunity to apply for a loan. If the user has overdue behavior, it will be recorded by Sesame Credit.

Personal credit will affect all aspects of our lives, loans, credit cards, job hunting, etc. will be affected by personal credit, so more and more people are beginning to pay attention to their credit situation, to installment is a more popular installment platform for white-collar workers, the official said that you can apply for a loan only with your ID card, work permit, bank statement, etc., which makes many users more excited, but more worried about the impact on personal credit, in the installment loan will be credit?

Whether a platform will be on the credit information, mainly depends on whether the company has access to the People's Bank of China credit system, if there is access, then it will be on the credit information, if there is no access, the loan information will not be uploaded to the credit system. At present, the installment platform has not yet been connected to the credit information system of the People's Bank of China, so the installment platform is not on the credit report.

Although the installment platform is not on the credit report, it does not mean that the installment platform will not check the applicant's credit situation, and the sesame credit score of more than 600 is one of the necessary conditions for applying for a loan in installment, which shows that the platform still pays attention to the borrower's personal credit situation, after all, personal credit is an important basis for judging whether a person has integrity and whether he is willing to repay. If the borrower is overdue after applying for the loan in installments, the overdue behavior will be recorded by Sesame Credit, resulting in a decline in Sesame Credit score.

Hello answer, I'm happy to answer for you, to installment is not on the credit system to installment will definitely be on the credit, so in daily use must be timely repayment, to prevent the generation of bad credit records, once you "overdraw" personal credit, it will be difficult to apply for a loan in the future, even if it is successfully approved, the corresponding loan interest rate, loan amount will also be affected, to installment withdrawal: at present, the installment is for users who have more than 650 sesame points on Alipay and no bad credit, Not everyone can open it, and the withdrawal amount is not the same, you can click [Transfer to Alipay now] after the first application quota assessment is completed, or in the service window of the installment, there is a [withdrawal] column, and operate according to the prompts, although the financial pressure can be relieved by the installment, but you must pay attention to the following matters when applying:

1.When using it for installments, you must determine the amount and term, and do not exceed your repayment ability;

2.Calculate the cost of the loan and measure whether it is within your ability to repay;

3.Make full and timely repayments to avoid penalty interest.

The creditor has the right to require the debtor to perform its obligations in accordance with the contract or in accordance with the provisions of the law.

To installment overdue is on the credit, to installment has been connected to the central bank credit system, to installment registration page will sign a "personal information use and inquiry authorization", once the borrower is overdue, to installment will report the overdue record to the People's Bank of China credit system, then your personal credit report will leave an overdue record, at least 5 years to be eliminated.

In addition to the credit investigation at the installment overdue, because of the cooperation with Alipay, the overdue installment will also affect your sesame credit score, and the sesame credit score will be reduced at that time, which will also cause a bad impact.

Extended Information: How to negotiate repayment in instalments?

After the installment is overdue, the user needs to call the customer service of the installment**, and then apply to the manual customer service to negotiate the repayment. After receiving the application, the manual customer service will review the user, and only after the review will the installment agree to negotiate the repayment with the user. If the audit fails, the user needs to pay off the overdue arrears as soon as possible.

It should be noted that you can only apply for negotiated repayment after the deadline.

Before the deadline, the user can try to apply for a deferment of repayment, as for whether the extension can be successful, the reply given in the installment shall prevail, and the success of the extension will not affect the personal credit investigation.