Simply speaking, post-loan management is the routine inspection carried out by banks and lending institutions after they issue loans or credit cards to users, and then manage all aspects of the user's loan, thereby risking the borrower. control. The main purpose is to check the borrower's credit report to see if other loans are overdue and whether the loan amount meets the borrower's current repayment ability, and then reduce the customer's limit or issue a loan invitation based on the situation.

Under what circumstances will post-loan management occur

1. Overdue credit

As long as the borrower has authorized the bank financial institution, the other party has the right to inquire about the user's credit status. Credit report, if the borrower's credit deteriorates and serious credit overdue occurs, the bank can promptly grasp the borrower's credit situation through post-loan management and adjust the borrower's comprehensive score.

2. Credit limit adjustment

Whether it is a loan or a credit card, the borrower will actively apply to increase the credit limit. Sometimes the bank needs to adjust the credit limit based on the borrower's basic information and credit report. Therefore, if the credit limit adjustment prompts that the application requires a credit check, then the credit record that is queried due to the limit adjustment will generally be displayed as post-loan management.

3. Credit review

Some revolving loans have a loan period of up to one year. During this period, the system will conduct reviews from time to time. If the credit situation is found to be incorrect, the credit limit will be frozen. , during this review period the bank will inquire about the cardholder's credit report, and the reasons for such inquiries belong to post-loan management.

4. Irregular operations

If the user performs some abnormal operations during the normal use of loans or credit cards, such as frequently swiping large amounts of credit cards at the same merchant, or A sudden large amount of consumption abroad may trigger the bank's risk control system, and the bank will also conduct post-loan management.

Whether frequent post-loan management will affect your credit report

Whether "post-loan management" will affect your personal credit report depends on the loan applicant. Of course, when you use the loan normally, When repaying a loan, post-loan management will not affect your credit.

"Post-loan management" is generally a routine spot check by the bank. If during the spot check, the bank finds that the loan applicant's use of loan funds is significantly different from the actual purpose, and cannot provide consumption vouchers, then the bank It has the right to require the loan applicant to pay off the debt in one lump sum and this behavior will be "recorded" on the credit report.

In addition to "post-loan management", there are also "query records" that will also affect personal credit reporting. Some people often apply online for online loans, credit cards, etc., regardless of whether they are approved or not. There is an inquiry record on the credit report. For banks or other financial institutions, this kind of record is equivalent to a signal that the borrower is "short of funds and has weakened repayment ability." After receiving this signal, banks will become more cautious about loan approval.