This is just a normal query record. Nothing happened.

1. Credit card loan management means that during the period of using the credit card, the bank will regularly query the user's credit investigation to determine whether the user has repaid on time. After the bank inquires about the credit investigation, the inquiry record of the loan management position management will be left in the credit investigation report. This record is a normal record and will not have any adverse impact on the user's credit investigation.

2. If the user thinks that the bank inquires too frequently, he can agree to the credit inquiry interval of the issuing bank, which can reduce the records of loan management post management.

3. The so-called loan management usually means that during the process of using the loan, the platform understands each person's credit investigation qualifications in real time, and then makes the next decision to reduce the loan risk. This is also the main reason why some friends apparently do not have overdue credit cards, but they have them reduced or even sealed.

4. What can affect our personal credit investigation? In addition to late repayments in daily loans, the court's law enforcement records and bad loan records may affect our credit investigation. However, the loan management position management is only a general credit investigation record, not a negative record, so it will not have a negative impact on our credit investigation. Lenders monitor the borrower's current economic situation in real time through loan management. If the borrower's current economic situation is good, they will recommend corresponding financial products based on the borrower's actual situation. At the same time, if borrowers have major financial problems, they will also take corresponding emergency measures.

In order to maintain a good credit record, it is necessary to compensate and resolve bad credit records. Now personal credit has opened on the Internet.

If loan administration occurs frequently during credit inquiries, it will not affect it at all. Since loan management usually only appears after the loan, the more loan management you have, the more loans you apply for. When we apply for a loan, the bank will review the debt ratio. If the debt is too high, it can easily lead to loan rejection. Loan management where credit inquiries occur frequently makes it easy for banks to determine that an applicant's current debt ratio is too high, resulting in loan application rejection. Therefore, we cannot ignore loan management entirely.

There are two types of inquiry records in the credit investigation report: organizational inquiry records and personal inquiry records.

Organization inquiry records will be presented in three forms, as follows:

1. Credit card approval: When applying for a bank credit card, the bank will query the applicant's credit investigation to determine the applicant Credit checks from other banks or lending institutions.

2. Loan approval: When applying for a loan, the lending institution will conduct an inquiry on the applicant's credit to determine the applicant's credit status with other banks and institutions.

3. Loan position management: It refers to the entire process of credit management of a bank or other financial institution from issuing a loan or other credit business to wholesale principal and interest or end of credit. After applicants apply for credit cards and loans, banks should review them regularly. Even if the credit card is not overdue, the bank should check it every once in a while. This is the loan review showing the loan management in the credit check report.

Hope it can help you.