I believe that many users will find a record called "post-loan management" in addition to the approval record when inquiring about the credit report, and the frequency is relatively frequent. So does this post-loan management have an impact on credit reporting? How many times is appropriate?

1. What is the meaning of post-loan management?

Actually, there is no need to worry too much. Post-loan management is an important part of risk control of banks and financial institutions. Not only banks with current loans or credit cards will check your credit status, but also banks that have settled will occasionally come to "stroll". If you think your debt ratio is low, you may be introduced to a loan or credit card again.

In a word, post-loan management can be considered as an irregular audit of banks and important information for approval, quota adjustment and promotion. As long as you apply for a credit card or loan, post-loan management will occur and you can't supervise it yourself. The bank has the right to inquire about your credit report.

Second, does the number of post-loan managers affect credit reporting?

Does not affect. Some banks will carry out regular post-loan management every month, or your credit card overdraft is high, or your loan is abnormal, and they will also carry out post-loan management, which will not affect your own credit information.

Handling loan installment, loan, credit card, guarantee and other businesses will all appear in the credit report in the form of approval inquiry, so there is no need to worry about post-loan management.

To sum up, "post-loan management" is a soft inquiry and neutral information, which will hardly have any adverse impact on credit information, but the records that have an impact on credit information are overdue records and credit card application records. In addition, you can pay attention. If you have never used the products of banks or online loans, and there are records of inquiry or post-loan management in the credit report, it is necessary to check whether you can inquire about the credit without authorization and complain to the People's Bank of China.

What are the consequences of the post-loan management era? There are mainly these!

Personal credit information is very important to everyone. The Credit Information Center of the People's Bank of China provides two free inquiries every year. You can inquire about the credit report properly, which is helpful to know your credit information. In the records of credit inquiry, there is post-loan management. What happens if you have more times? Let's get to know each other.

1. What does post-loan management mean?

As long as you have business dealings with banking financial institutions and authorize banks to inquire about your credit information, banks will inquire about users' credit information from time to time after handling credit business, so as to keep abreast of the situation. Your credit limit may be adjusted once your credit information is found to be deteriorating. If you find that your credit information is good, they will contact you to handle new business or increase the amount. In a word, post-loan management is the main means of bank risk control.

Second, what are the consequences of the quantity of post-loan management?

Under normal circumstances, post-loan management will not affect credit inquiry, because the most important records of credit inquiry are loan inquiry, credit card inquiry and guarantee inquiry, and other inquiries can be ignored.

1. If the bank finds that the customer's credit information is unstable in the post-loan management process, such as frequent overdraft of credit cards, frequent credit application and high debt ratio, it may take some necessary measures.

2. If there are few credit businesses and the frequency of using credit cards or loans is low, the number of post-loan management will be less, and it may be checked once a year.

In short, post-loan management will not cause serious consequences, as long as you maintain a good reputation. If you are inexplicably reduced or have more promotional calls, it may be the result of post-loan management, so you can optimize your credit information as soon as possible.

Does the frequent appearance of "post-loan management" in credit records have an impact on loans?

Does the frequent appearance of "post-loan management" in credit records have an impact on loans?

The central bank's credit information records everyone's past, present and future credit status. When a bank handles loans and credit cards, it will inquire about personal credit information, and a good repayment record will also accumulate its own credit.

There will be inquiry records when inquiring about credit information, and you can also see credit card approval and loan approval records, as well as post-loan management. What does it mean and what impact will it have on bank loans?

Post-loan management is an irregular review of banks and one of the important means of bank risk control. In order to prevent loan risks and control the occurrence of non-performing loans, banks will inquire about personal credit information from time to time and inspect personal credit.

Post-loan management has appeared many times in credit reporting. As long as there is no overdue repayment, it will not affect credit card processing and bank loans.

The trigger conditions for post-loan management are as follows:

1. Irregular bank review

For banks, it is very important to master the loan risk of borrowers, so it is essential to inquire about personal credit information. After being audited by the bank, it shows "post-loan management". Don't worry if the credit information is good.

2. Credit card approval

When a bank handles a credit card, it will check the credit information of the borrower. Generally speaking, it is difficult for overdue people to apply for a credit card. If their credit is good, the credit card approval rate will be high.

3. Credit card withdrawal

When the credit card limit is not enough, you can apply to the bank to increase the temporary or fixed limit, which means that the bank will check the personal credit information and there will be post-loan management.

4. Banks sell products

In addition to the cardholder's initiative to apply for extra money, the bank will also take the initiative to contact the cardholder to win high-quality customers and help the cardholder increase the consumption quota; In addition, for high-quality customers, loan services will be launched, and post-loan management will also appear in credit reporting.

It doesn't matter when there are many post-credit management, as long as you use credit cards and bank loans to repay on time, the pass rate of handling loans in the bank in the later period is very high.

Will there be too many post-loan management inquiries affect the loan?

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 that the investor is connected to the credit system of the People's Bank of China, and all commercial banks are connected to the credit system. If you apply for a loan in a bank, you need to make a credit investigation if the repayment is overdue 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.