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What do post-loan management and credit card approval mean?
Post-loan management is the last link of credit management, which plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. Post-loan management is an important link to control risks and prevent non-performing loans. The specific form of post-loan management refers to the credit management activities after loan issuance or credit card issuance. Banks or other financial institutions will check the credit information at regular intervals after the credit card or loan is issued.

Credit card approval means that the credit card is being audited, which means that the audit center has received the information. After receiving the application materials, the bank credit card promoters will transfer them to the audit department of the credit card center, and then apply for the card after passing the audit.

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Matters needing attention in post-loan management:

1. For whatever reason, the loan cannot be returned to the borrower's (and spouse's) bank account, nor can it be transferred multiple times through online banking. If it is monitored that funds flow back to the borrower and associated accounts, the loan may be forcibly recovered.

2. After the bank lends money, it begins to pay back the monthly payment. Different banks have different repayment dates, so the first repayment amount is also different. Some banks set a fixed repayment date, such as the following month 1 or 15, and some banks choose the repayment date according to customers' wishes.

3. Different banks have different requirements for prepayment. Most banks did not pay the liquidated damages after one year, and very few banks required five years, depending on the loan contract.

Baidu Encyclopedia-Post-loan Management

Baidu encyclopedia-credit card

Baidu Encyclopedia-Approval