Post-loan management is neutral inquiry, that is, inquiry has no negative impact on credit reporting, and frequent loan approval and credit card application are negative credit reporting. Some banks make inquiries every quarter, such as the quota of Agricultural Bank of China, which is as frequent as the above picture. What data do you want after the bank inquires? Look at your recent debt repayment. If there is anything unusual, I will recommend some products to you as required. If you don't want to be investigated, you can call the bank to reflect this situation, and the customer service will help you apply, which may be excluded from the inquiry sample.

I. Post-loan management credit inquiry refers to the whole process of credit management inquiry of banks or other financial institutions from loan issuance to principal and interest recovery or the end of credit. After you apply for a credit card and loan, the bank will review it once in a while. For example, your credit card at China Merchants Bank is not overdue, but China Merchants Bank should also check whether your other banks are overdue at regular intervals. This is a post-loan review, and the credit report shows post-loan management.

The second is targeted post-loan management research. Through post-loan management, the bank can know your debt, loan, credit card limit and application status. If you are in urgent need of money and have no new loan application, you will be given some products according to your needs, which is why banks occasionally call you to ask if you want to apply for a product to control risks. For users who are borrowing, they can learn about the borrower's situation, business management, financial status and so on through post-loan management. Personal information is changed, because the personal credit report will show the judgment documents of people's courts at all levels, enterprise/individual case information, court enforcement information, tax information, administrative law enforcement information, debt collection information, etc. Once there is a new bad record, the loan may be reduced or can not be loaned again.

Third, the impact of post-loan management "post-loan management" query has no negative impact on personal letters and visits, and belongs to a relatively neutral query. "Loan approval" and "credit card approval" are mostly negative credit inquiry records, so don't worry too much. To sum up, banks will inquire about borrowers every once in a while. If you don't want to be frequently inquired, you can call the bank to reflect this situation, and the customer service will help you apply, which may be excluded from the inquiry sample.