credit information will be checked by stages. Time installment was originally a 51 credit card loan at home, which mainly provided cash loans for consumers, without mortgage guarantee. The maximum loan amount was 4, yuan, and the longest loan period was 12 months. When applying for time installment loans, users were required to provide ID card, mobile phone number, credit card and other related information. Applicants must have a common credit card, and the credit card must have a bill that has been used for six periods. During the review, the platform will query the applicant's credit history, loan record and repayment.