How long does it take for a credit card bank to check your credit report:

The credit check period of each bank is not fixed, but it generally does not check so frequently, basically not every month. It will basically be checked once. Depending on the cardholder's card usage and risks, the number of inquiry periods will vary.

Generally, after a bank receives a cardholder’s application for a limit increase, or discovers that the cardholder has overdue payment, or uses the card irregularly, they will go to the bank to check the credit report to understand the cardholder’s credit status. For example, check whether any cardholders are overdue at the bank or other banks, whether there are new loans/credit card accounts, who has recently checked the credit report, what is the reason for the inquiry, etc.

If the cardholder is found to be at higher risk, the number of credit record inquiries by the bank will also increase. After all, if the cardholder has a lot of debt and the monthly repayment accounts for more than 50% of the income, once the funds appear The problem is that cardholders are prone to overdue payments. In order to prevent risks, banks must monitor cardholders' credit cards at any time and take corresponding measures to eliminate risks.