There are such a number of cardholders, after applying for a credit card, they are always trembling, and they are afraid that the credit card will be "dragged down" if they are a little careless in using the credit card.
But a friend said that there was post-loan management on his credit report, what is this?Will it affect our credit information?
In fact, post-loan management is one of the means adopted by banks for risk control, which can be regarded as a process of review of the credit investigation of the bank and other banks.
As long as you have a credit card, there is a possibility that there will be post-loan management.
If you are not careful, so that the bank finds that the cardholder has any "mistakes" during the post-loan management, it is a matter of minutes to reduce the amount and seal the card.
1. Overdue credit card
2. Credit card installment, such as bill installment, cash installment, etc.;
3. Credit card limit increase, reduction, etc.
Generally speaking, the "post-loan management" on credit reporting will not have much impact, and this management method is mainly to ensure that the borrower can repay the loan on time and will not default.
In the credit report, the post-loan management record does not have a large negative impact on the individual's credit.
Conversely, if the borrower is able to repay the loan on time and does not have any record of default, then this post-loan management record will instead prove that the borrower has a good credit profile.
Although one or two occasional post-loan management will not affect the credit investigation of the cardholder, if the bank frequently conducts post-loan management and frequent credit inquiry, other banks will doubt the cardholder's repayment ability.
Cardholders who have not used the card in violation of regulations and repay the loan on time are advised to appeal to the bank and ask them to reduce the frequency of post-loan management.
Post-loan management is a means of bank risk control, and one or two post-loan management inquiries will not have any impact on credit reporting. The number of inquiries for post-loan management is different for each bank each month.
When you need to apply for a bank loan or online loan, banks and lending institutions only have requirements for loan approval and review, and do not look at post-loan management, so it doesn't matter, the most important thing is to repay on time and not overdue!