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Is the staging of Shandong Vision Education Technology Co., Ltd legal?
Illegal.

1. Without the user's consent: Without the user's consent, the installment payment service of Shandong Vision Education Technology Co., Ltd. was automatically opened for the user, which violated the user's wishes and privacy.

2. Illegal collection: The collection behavior of Shandong Vision Education Technology Co., Ltd. will violate the law, such as threatening to collect money.