Post-loan management generally means that the lending institution will check the borrower's relevant credit status irregularly after the borrower completes the loan, which will generally be displayed as a post-loan management record on the credit information. However, this record will not be counted as the number of credit inquiries, and it generally has no effect on individuals applying for mortgages and handling credit cards.
Post-loan management, also known as post-credit management, refers to the whole process of credit management of banks or other financial institutions from loan issuance or other credit business to the recovery of principal and interest or the end of credit.
The number of post-loan management does not affect the credit investigation. The bank will carry out routine post-loan management every month, or the borrower will also carry out post-loan management if the credit card overdraft is high or the loan is abnormal recently, which will not affect your own credit information
Post-loan management will not affect your credit information, but the overdue loan will affect your personal credit information in life. Post-loan management generally checks whether the borrower's credit information has changed, which can let the bank know the changes of the borrower's information and evaluate the possibility of loan risk. Post-loan management does not count as the number of times to inquire about personal credit information, but there will be a limit to the number of times in a period of time. If it exceeds a certain number of times, it will affect personal credit information.
1. In fact, there are two kinds of inquiry records in the credit report, namely, institution inquiry records and personal inquiry records.
among them, the institution inquiry records will be displayed on the credit report in three different forms.
First, credit card approval
This is familiar to everyone, that is, when you apply for a credit card from a bank, the bank will make an inquiry about your credit information to determine the credit information of your other banks or lending institutions. Not much to say.
second, loan approval
as the name implies, when you apply for a loan, the institution that gave you the loan will make an inquiry about your credit information to determine the credit status of your other banks and institutions.
Third, post-loan management
This is what we will focus on today.
2. What is post-loan management?
Post-loan management is the final 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 the occurrence of non-performing loans.
the specific form of "post-loan management" refers to the credit management activities after the loan is made or the credit card is issued. Banks or other financial institutions (institutions that lend you money) will check your credit information every once in a while after credit cards or loans are issued.
3. Why do you want to carry out post-loan management
The reason why banks or financial institutions want to carry out "post-loan management" is because the cardholder's repayment ability is constantly changing, and the customer's financial situation may be good when approving the credit, but due to some reasons (such as unemployment, etc.), the user's financial situation will change greatly, which will affect the normal repayment. Banks or financial institutions need to discover and understand these changes in time, and at the same time, they will recommend some services according to the financial changes of users. The most common bank sales by stages, etc., is a coping strategy.
So after you apply for a credit card and loan, some banks have to review it every once in a while.
For example, your credit card at Bank of Communications is not overdue, but Bank of Communications should also check whether your other banks are overdue at regular intervals. This is the post-loan review, which shows post-loan management on the credit report.
Post-loan management means a review of the credit information of your bank and other banks. If you don'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.
4. Post-loan management occurs
In addition to the bank's initiative to do post-loan management, some behaviors of customers may also trigger post-loan management, such as cardholder's application for withdrawal, promotion of temporary limit, application for bill installment, handling cash installment business or other loan business, overdue repayment and so on.
5. Which bank has more post-loan management inquiries
According to the feedback of card friends, CCB, Bank of Communications and Agricultural Bank of China have more frequent post-loan management, and some even have the experience of checking once a month in a year. In addition, the frequency of "loan management" of Xingye, Pufa and Guangfa is also slightly higher. What is the frequency of "post-loan management" in various banks? You are also welcome to leave a message to share your experience.
6. does the "loan management" in the credit report have any impact?
generally speaking, the "loan management" in the credit report belongs to neutral information, which has less influence than overdue records and credit card application records.
7. How to avoid "post-loan management"
If you use your own card and have good repayment behavior, you can call customer service to complain about the "loan management" of banks or other financial institutions too frequently and apply for reducing the frequency of "loan management".
In addition, as a customer, if you have never applied for a loan or applied for a credit card in a bank, and the bank inquires about your credit record on the grounds of "post-loan management", it is illegal. You can complain to the relevant bank at the People's Bank of China.