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抛开习惯的好坏，免息分期有明显的缺点吗？

她乐园
在 生活组随便说说

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以前有人说就算按时还款，小额的记录在某些情况下，对征信也是一种影响，但是后来又看到很多澄清，说是只要不逾期，那怕几块钱的记录也几乎没影响。那免息分期岂不是百利而无一害？纯粹提高大家使用率？使用习惯？拉人头？

——written by momo

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