Management records after credit collection can generally be cleared after five years.

Post-loan management generally means that the lending institution will check the borrower's relevant credit status from time to time after the borrower completes the loan. It will generally be displayed as a post-loan management record on the credit report. However, this record will not be counted as the number of credit inquiries, and generally has no impact on personal applications for mortgage loans and credit cards.

Post-loan management is also called post-credit management. Specifically, it is the entire credit management process of a bank or other financial institution from the time the loan is issued or other credit business occurs until the principal and interest are recovered or the credit is terminated.

The number of post-loan management times does not affect your credit report. The bank will conduct routine post-loan management every month, or if the borrower has recently had a high credit card overdraft or abnormal loan, it will also conduct post-loan management, which will not have an impact on your own credit report

Post-loan management will not affect your credit score. Only overdue loans in life will affect your personal credit score. Post-loan management generally checks whether the borrower's credit report has changed. This check allows the bank to understand changes in the borrower's information and evaluate the possible risks of the loan. When post-loan management checks personal credit, it does not count the number of inquiries, but there will be a limit on the number of times within a period of time. If it exceeds a certain number, it will affect the personal credit.

1. In fact, there are two types of inquiry records in the credit report, namely, institutional inquiry records and personal inquiry records.

The agency inquiry records will be displayed on the credit report in three different forms.

1. Credit card approval

Everyone is familiar with this. When you apply for a credit card from a certain bank, the bank will conduct a credit check on you to determine your other banks. Or the credit information of the lending institution. Not much to say.

2. Loan Approval

As the name suggests, when you apply for a loan, the institution that gives you the loan will conduct a query on your credit report to determine the credit status of other banks and institutions. .

3. Post-loan management

This is also what we will focus on today.

2. What is post-loan management?

Post-loan management is the final link in credit management and plays a vital role in ensuring the safety of bank loans and case prevention and control. Post-loan management is an important part of controlling risks and preventing the occurrence of non-performing loans.

The specific form of "post-loan management" refers to the credit management activities after the loan is issued or the credit card is issued. A bank or other financial institution (the one that lends you money) will check your credit report every once in a while after a credit card or loan is issued.

3. Why do we need to carry out post-loan management?

The reason why banks or financial institutions need to carry out "post-loan management" is because the repayment ability of cardholders is constantly changing. The customer's financial status may be in good condition when the credit is approved, but due to some reasons (such as unemployment, etc.), the user's financial status may undergo major adverse changes, affecting normal repayment. Banks or financial institutions need to detect and understand these changes in a timely manner, and at the same time recommend some businesses based on users' financial changes. The most common bank promotions that everyone encounters include installment plans, etc. This is a coping strategy.

So after you apply for a credit card or loan, some banks will review your application every once in a while.

For example: Your credit card with Bank of Communications is not overdue, but Bank of Communications will also check whether your other banks are overdue every once in a while. This is a post-loan review, which will be displayed on the credit report. manage.

Post-loan management means a review process of the credit status of your bank and other banks. If you don't use your card well, the bank will choose to lower your limit or block your card in order to control risks. Among them, Bank of Communications is the most typical bank with a lot of post-loan management.

4. "Post-loan management" occurs

In addition to banks taking the initiative to do "post-loan management", some behaviors of customers may also trigger "post-loan management", such as Card holders apply for credit limit increase, temporary credit limit increase, bill installment application, cash installment business or other loan business, overdue repayment, etc.

5. Which bank performs more post-loan management checks and credit checks?

According to feedback from cardholders, China Construction Bank, Bank of Communications, and Agricultural Bank of China conduct "post-loan management" more frequently, and some people have even done so. Check out the encounters once a month for a year. In addition, the frequency of "loan management" of Industrial Bank, Shanghai Pudong Development Bank and Guangfa Bank is also slightly higher. How often does each bank conduct "post-loan management"? Everyone is welcome to leave a message to share your experience.

6. Does “loan management” in the credit report have any impact?

In general, the "loan management" in the credit report is neutral information and has less impact than overdue records and loan application records.

7. How to avoid being "post-loan management"

If you have good card usage and repayment behavior, you can apply for "loan management" that is too frequent by banks or other financial institutions. Call customer service to complain and apply to reduce the frequency of "loan management".

In addition, as a customer, if you have never applied for a loan or a credit card with a certain bank, and the bank inquires about your credit record on the grounds of "post-loan management", this is illegal. You can go to the People's Bank of China to complain to the relevant bank.