1. In general, whether the installment repayment of Huabai will affect the credit card depends on whether the user repays on time.

2. If the user pays back the money on time during the flower garden installment, it will not adversely affect the personal credit card.

3. If there is overdue repayment during the installment period in Bai Hua, it will inevitably have a negative impact on personal credit. Now Bai Hua's access to the credit information system will not only affect the sesame credit score, but also the overdue records will directly appear in the personal credit information report, which will also have an impact on future loans.

The above is an introduction about whether the installment repayment of Huabai will affect credit. I believe that everyone has some understanding through the above, and I hope it will be useful to everyone.