General
The general situation is to use the interest-free installment shopping in the orange installment, and then in accordance with the normal repayment time to repay, usually the loan record is not credit.Special circumstances
The reason why I say special circumstances, because the lender of the orange installment, there are some companies are on the credit, on the credit means that the loan record will be recorded in the credit report, as long as the repayment on time does not appear to be overdue, the personal credit record is not affected.Long overdue credit
The official customer service was specifically consulted on the overdue time, and the customer service answer was that the overdue time is too long to be creditworthy. Then thought a standard consultation with customer service, customer service response is more than, and then a few days overdue on the credit. Therefore, here it is treated as a grace period for orange installments, if the overdue situation is said to be more than, then the possibility of credit is very large. But for users who already have a borrowing record on the credit report at the beginning, whether such users are overdue before credit is required to specifically consult customer service. If the lender's requirements for delinquency are more stringent, then there is a risk that the number of days past due may not be enough for the delinquency record to be on the credit report. In general, as long as the normal repayment is not on the credit. But the customer service has also said, about the late situation, if the overdue time is too long is on the credit. Therefore, for if you do not want to get credit, the best practice is to repay on time, even if the loan record on the credit, the record is also on time repayment, but instead help to maintain personal credit.