Which banks ask for credit checks? Is there any impact?

;? As we all know, the credit card limit is not fixed. Banks will conduct evaluations from time to time to adjust the limit. Those with a high overall score will increase the limit. Some card friends have heard that some banks will check credit scores when raising credit card limits. They want to know which banks are these and whether they will have any impact. Below, let’s take a look.

Which banks ask for credit checks? In fact, many banks will check your credit report when raising a limit, but the specific decision depends on the method of raising the limit. If the bank offers to raise the limit on its own initiative, some banks may not check your credit and will grant it as long as you use the card well. But if the cardholder applies for a credit limit increase from a bank, such as China Construction Bank or Bank of Communications, the credit report will be checked every time he clicks. For cardholders, even if the bank checks their credit report, it will not have a big impact, and there will still be a small impact.

Will increasing credit card limit have any impact on credit check? People who have this question are usually worried that the bank will leave a bad record on the credit report if they check the credit report. In fact, checking the credit report is one of the bank's daily routines. After all, the China Banking Regulatory Commission requires banks to check the credit report at any time after approving the card. Understand the credit and financial status of cardholders to avoid risks. Therefore, the bank will check the credit report of the cardholder every once in a while. The reason for the inquiry is post-loan management. This kind of inquiry is a neutral inquiry and generally will not leave a bad impact. However, it does not rule out that if the bank finds that the cardholder's credit is not good, or the debt is high, or the total credit limit is too high during the credit investigation, the bank may not easily increase the credit limit. In the worst case, in order to avoid risks, it may be that the cardholder's credit card limit and repayment ability do not match, and measures will be taken to reduce the credit card limit or block the card. Does Bank of Communications credit card check come once at a time when the credit limit is raised? Pay attention to these effects

;? To increase the limit of Bank of Communications credit card, the bank can automatically increase the limit, or the cardholder can actively apply for it, such as clicking the limit increase button on the Bank of Communications Pay Bar APP. In this case, the bank After receiving the application for a credit increase, a credit check will be carried out. Some people are worried that the Bank of Communications will check and levy the credit points one at a time, which will mess up the credit report and affect their credit card and loan applications. Next, let’s take a look.

Does the Bank of Communications credit card check credit check occur once at a time when the limit is raised? When you increase the limit on a Bank of Communications credit card, you don't necessarily need to click and check your credit report once. After all, there is a time limit for credit card limit increases. For example, the temporary limit is raised every 3 months, and the fixed limit is raised every 6 months. If you exceed the limit within a month and have been checked for credit, but have not passed, this No matter how much you pay per month, you won’t be given the credit. Some may not give you the credit directly, or you may directly reject the credit without checking the credit report based on the results of the one-time credit increase. Even if you click and check once, it will not have any impact, but there may be some sequelae.

What are the consequences of checking the credit limit of a Bank of Communications credit card? Credit card credit checks are done in the name of post-loan management. This type of inquiry is not a negative record, so you don’t have to worry that it will ruin your credit if it happens too often. However, if it is frequently managed after lending, some minor problems may be exposed. For example, the bank will consider that there has been a major adverse change in the financial status of the cardholder, especially if the cardholder is overdue, or has made a large purchase, etc., because it is worried that it will affect repayment, so in order to prevent overdue risks and control the non-performing rate, it will Credit cards of cardholders with high debt and multiple overdue payments may have their credit limit reduced or their cards blocked. The above is the relevant introduction of "Does Bank of Communications credit card credit check point check once?" I hope it will be helpful to everyone. Will frequent inquiries about the progress of credit card applications have any impact?

Frequent inquiries about the progress of credit card applications will not affect the approval results and card issuance, because whether the card can be successfully applied for is determined by the bank based on the credit qualifications, financial status, and The results obtained from a comprehensive assessment of factors such as repayment ability and debt situation have nothing to do with the number of inquiries about the progress of credit card application.

Checking the progress of credit card application is different from checking personal credit report. Only frequent checking of personal credit report may affect credit card application. From credit card application to card release, the processing speed of each bank will be different. If you want to apply for a credit card as soon as possible, it is recommended to apply for a credit card online. The review speed of applying for a credit card online is faster.

Usually it takes about half a month. The application progress can be checked through the following methods: 1. Online banking inquiry: log in to the Credit Card Center of China Construction Bank, then click "Card Application Progress Inquiry" and enter the ID number and verification code to inquire.

2. Telephone inquiry: Use the reserved phone number to call the Bank of Communications’ customer service hotline and enter your ID card for inquiry.

3. WeChat query: Follow the WeChat official account of "Bank of Communications Credit Card" and bind the credit card to check the application progress.

4. Counter inquiry: I can check the credit card application progress by bringing my ID card to the nearby Bank of Communications.