Yesterday, Xiao Li had a whim and checked his credit information. At first glance, he was shocked because the report showed that his credit information had been checked many times. What was the situation then?
There are only two credit cards in her name. Xiao Li was very happy when she first inquired about the credit information of her central bank. She boasted to us that her credit was good and beat 93% of the people in the country.
But this time, when she saw her credit report, she was a little dumbfounded, because China Merchants Bank inquired about her credit report of the central bank five times in two years. The above reasons for this inquiry are all shown as "post-loan management".
So, Xiao Li consulted the customer service staff of the bank and learned that the "truth" being investigated is divided into the following three types:
1. Inquiries will be made when handling installment business or applying for micro-loan business;
2, e, loan, line inspection, check once, the last credit record;
3. When you manually apply for temporary quota and fixed quota promotion, you must check your personal credit information;
The customer service staff also informed that the follow-up loans would refer to the inquiry records of these institutions. Even if there is no bad record in personal credit investigation, the number of post-loan management inquiries will have an impact. However, if the system actively gives us an amount, it will not check the credit.
Under what circumstances will other banks inquire about our credit information? Below I have compiled the situation of several other banks for your reference:
Polyunsaturated fatty acid
Generally, credit information will be inquired to adjust the credit line, and credit card installment and minimum repayment amount will not be inquired; If the self-service channel operates to adjust the quota, the system will approve it. If the application for quota adjustment is manually registered in the background, you can check the credit information for approval.
China construction bank
The system will take the initiative to withdraw cash and inquire, but will not inquire about the minimum repayment amount and credit card installment; When you apply for a loan or credit card, you will check it.
Both the inquiry about increasing the quota and the inquiry about applying for small loans are marked as "post-loan inquiry" by banking institutions. This kind of inquiry is frequent, even if the individual has no bad credit record, it will have an impact on the subsequent loan.