No, many inquiries about post-loan management will not affect the loan. Post-loan management can be considered as an irregular review of banks. As long as you apply for a credit card or loan, post-loan management will occur. Some banks will carry out routine post-loan management every month, or your credit card overdraft is very high, and the loan has been abnormal recently, so long as the lender maintains a good credit reference, it will not affect it.

What is the difference between credit reporting and non-credit reporting?

In fact, the credit loan is the connection between the funder and the credit system of the People's Bank of China, and all commercial banks are connected to the credit system. If they apply for a loan in the bank, they will be credited in case of overdue repayment in the future. In addition, in addition to banks, many small loan companies have access to the credit information system. Moreover, the loan products of these companies have been docked with the credit information system. If the borrower has repayment problems after borrowing, it will be directly reflected in the borrower's credit report.

However, many loan platforms are not connected to the central bank's credit information system, so their loan products are not credit information. Although these loans do not seek credit, loans that do not seek credit do not mean that they do not seek credit. Don't take credit. Don't look at credit. Don't take credit and don't look at credit. Although there is only one word difference, it is a difference in technology. Although these platforms do not collect credit information, they will also check your loan situation in the big data system in the background. If the bank sees that you have been inquired by the loan platform too many times, it will still refuse your loan.

Although many loan platforms say that they will not read the credit information, it is another matter if the borrower borrows it and does not pay it back. If it is overdue, you still have to go to the credit. Moreover, if the lending institution sees that your credit information has been inquired many times, it will also affect the loan and make your credit information "blossom". If you want to apply for a loan again, you may face rejection.

How can we avoid too many queries?

First, if you click on "credit inquiry" unintentionally, you can ask the platform to issue a "no loan certificate" to dispel the doubts of other lending institutions. But this process is very complicated, and the platform may not help you.

Second, if it is found that the credit report has been inquired beyond the authority, it can be questioned by the inquiry institution or reflected to the branches of the People's Bank of China.

Third, don't apply for a credit card online. Check it once. Even if it is not approved, there will be a query record. In addition, don't apply for a loan online casually, even if you don't approve it, you should check your credit information. Fourth, you need to be cautious when inquiring. Every time you make an inquiry, the bank will think that you need money, and the more times you make inquiries, it means that you are short of money, and you will judge that you are a high-risk user and be cautious about your qualifications.