1. Credit card overdue: The credit card application platform will definitely want to know the reasons why the cardholder is overdue, such as whether the debt is too high and whether the funds are tight. These can be inferred from the cardholder's credit report, so post-loan management will be carried out. If it is found that the cardholder's debt is high and other banks have overdue records, it shows that the cardholder's repayment ability is not good, and measures such as reducing the quota and sealing the card may be taken.
2. Credit card adjustment: Many cardholders will take the initiative to apply to the bank for adjustment. If the adjustment means "this application needs to inquire about credit information", the credit information records inquired due to the adjustment of credit limit will generally be displayed as post-loan management. Similarly, the purpose of bank credit investigation is to look at the changes in the cardholder's qualifications and financial situation, and then decide whether to increase or decrease the quota.
3. Credit card installment: Some credit cards need to be audited by banks after installment, especially cash installment and some special line installment, and the audit takes 1~2 days. Banks will also check the credit information during the audit, and the reason for the inquiry is post-loan management. The purpose is also to judge the cardholder's financial situation, repayment ability and so on.
4. Irregular card use: If the cardholder has abnormal card use behavior, such as frequent card swiping at the same merchant, or frequent card swiping at home and sudden large consumption abroad, which touches the bank's risk control system, the bank will conduct post-loan management. If the card is found to be illegally used, the card may be closed and the amount may be reduced in the future.
The above is an introduction to the post-loan management of credit cards. Therefore, users must maintain good card use behavior, repay in full and on time, and avoid overdue and other violations. In addition, users also need to maintain personal credit qualifications, standardize the use of credit products, and maintain personal credit qualifications in order to use credit cards for a long time.