As long as it is not overdue, the impact is generally small. It won't affect your other mortgages.

Inquiring about credit information in the name of post-loan management is not a "hard inquiry" like inquiring about records in the name of "credit card approval" and "loan approval", but a "soft inquiry", which is neutral information, mainly because financial institutions such as banks strictly control bad credit in order to prevent risks. After all, everyone's credit status is not static, so financial institutions such as banks need to review customers' loans, repayments and liabilities from time to time.

Therefore, the inquiry records in the name of "post-loan management" will generally not have any adverse impact on credit information, and naturally will not affect the subsequent mortgage processing.

Although there are more than 70 loan management inquiry records in the recent two years, as long as customers maintain good personal credit when applying for mortgage loans, meet the conditions of bank loans and have the ability to repay the loan principal and interest on time, they can usually successfully apply for mortgage loans.

Of course, it should be noted that if you apply for withdrawal, temporary deposit or installment in the process of using the card, it may trigger the bank to inquire about credit information in the name of post-loan management; When customers have illegal operations or overdue risks, banks and other financial institutions may also carry out post-loan management. If post-loan management finds bad records such as overdue in credit information, it will have an impact, which will further hinder mortgage processing.