Credit card is a credit consumption tool issued by the bank. After successfully applying for a credit card, you can get a certain credit limit, and you can make overdraft consumption within the credit limit. Since it is a bank credit product, the credit report will be checked when applying for a credit card, and there will also be loan management. So what does post-loan management of new energy cards mean? Let’s find out together.

What does credit card post-loan management mean?

Credit card post-loan management means that when a user uses a credit card, the bank will regularly check the user's credit information to determine whether the user is Every installment is repaid on time. After the bank checks the credit report, a post-loan management inquiry record will be left on the user's credit report. This is a normal credit report and will not have any adverse impact on the user's credit report. It will not cause the user’s credit report to change.

Of course, if the cardholder thinks that bank inquiries are too frequent, he can agree with the credit card issuing bank on the interval between credit inquiries, thereby reducing the records of credit card post-loan management.

Credit card post-loan management is also called post-credit management. It is the entire credit management process after the user handles the credit card consumption at the bank until the principal and interest are recovered or the credit is terminated. It is the management of the user’s credit card usage in our bank and other banks. The situation undergoes a review process. This means that as long as the user keeps using the credit card, the bank will continue to perform post-loan management.

In addition, if the user's credit card usage record is not good, the bank may reduce the credit card or directly block the card in order to control risks. Credit card post-loan management is essentially a way for banks to protect their own rights and interests.