It is well known that the "monthly payment" function provided by the vibrating platform is popular with a number of users. So, will the user's record of the use of a shivering monthly payment be recorded by a personal letter? The answer is yes, and it goes through three stages。

First, in the case of a shivering month, the user is required to agree to the relevant agreement, including a credit facility and information authorization agreement, which means that the shivering is allowed to begin searching for the basic credit information of the user. This stage is usually called "pre-prime"。

The monthly payment is a consumer credit product, the loan service of which is provided by Shenzhen's Shenzhen Micro-credit Company, which is supervised by Shenzhen's Local Financial Supervisory Authority. In accordance with the regulatory requirements, its need to inform the central bank of its clients' lending is the second phase of our term, the "mid-credit phase"。

In the "middle-prime" phase, if the loan is normally used and repaid on time, the monthly payment will only increase the good credit record of the user. Once the user is late in paying, the ability to pay a shivering month may be restricted and the late and negative recording may be on personal letters。

The last phase is the "post-credit phase" where, after the user has used the shivering month to pay for a certain period of time, the shivering will be periodically assessed on the basis of the user's credit position, such as whether the amount can be increased and the post-credit risk。

As a result, users need to identify their impact on personal calls and to maintain good credit behaviour as much as possible during the use of the shivering month。