What does the sharing of information between the organisations submitting the data and BIK look like? The data are submitted to BIK in the two basic stages of consideration of the credit application; first, when the bank client submits a credit application, and later, after the credit has been granted. The information concerning the performance of the credit is updated by the bank at least once a month throughout the credit repayment period. If the client repays within the agreed deadlines, the client's data will be processed by BIK since the date of submission until the full repayment of the credit.