Can Jin Ying collect money by installments?

No, if you apply for Jinying installment payment, you will check your personal credit report. If it's only a slight bad credit report or an occasional overdue record, it's no problem to handle the staging of Jinying, but if it's blacklisted, there's no way to handle it. Jinying installment, formerly known as "King of Lending", is a pure online personal credit loan product operated by Hangzhou Yingying Information Technology Co., Ltd., and is open to individuals.

1. You can get a loan if your credit information is slightly bad.

At present, whether it is a loan platform or a bank loan, it is necessary to inquire about personal credit information in advance. If there is a serious bad record in the credit investigation, the loan will basically not be approved, but it does not mean that the loan will never be approved. It depends on the individual's specific situation. As long as it is not included in the blacklist of bad credit, it is still possible to approve the loan. Generally speaking, banks only look at the credit situation in the last two years. Most banks also limit the overdue period to twice in the last three months, three times in half a year and four times a year. Another situation is that banks pay special attention to the persistence of overdue. It will be very difficult to apply for a loan if it is not repaid for a long time.

Second, verify whether your information is true.

If it is a bad credit report caused by false information, you can apply for administrative reconsideration and get a loan. If false information leads to poor credit reporting, you can directly apply to the credit reporting center of the local central bank for objection, and you can get a reply within 15 working days. If the circumstances are serious, such as fake loans, you may need to report to the public security organ in addition to negotiating with the bank, but after solving the problem of false information, you can easily solve the loan problem.

In short, credit reporting is very important to everyone. It not only represents a person's credit index, but also relates to whether the loan can be obtained smoothly. If it is overdue, it must repay the arrears in time and maintain the score of the credit report. If it is overdue for a long time, financial institutions or banks will sue, and once they lose the case, they will be blacklisted as untrustworthy people.