The specific performance of post-loan management
Refers to the credit management activities after the issuance of loans or credit cards. Banks or other financial institutions (institutions that lend money to you) will check your credit information at regular intervals after credit cards or loans are issued.
Why do you need post-loan management?
The reason why banks or financial institutions want to carry out "post-loan management" is because the repayment ability of cardholders is constantly changing, and the financial situation of customers may be good when approving credit, but for some reasons (such as unemployment, etc. ), the user's financial situation will change greatly, affecting the normal repayment. Banks or financial institutions need to discover and understand these changes in time, and at the same time recommend some services according to the financial changes of users. The most common bank installment sales, etc. , is a coping strategy.
Among them, post-loan management is to review the credit information of your bank and other banks. If you can't use your card well, the bank will choose to reduce your quota or seal your card in order to control the risk. Among them, Bank of Communications is the most typical bank that manages a lot after lending.
The occurrence of post-loan management
In addition to banks taking the initiative to do "post-loan management", some behaviors of customers may also trigger "post-loan management", such as cardholders applying for withdrawal, increasing temporary limit, applying for bill installment, handling cash installment business or other loan business, and overdue repayment.
How to avoid post-loan management
If you use your own card and have a good repayment behavior, you can call customer service to complain about the frequent "loan management" of banks or other financial institutions and apply for reducing the frequency of "loan management".