How to check how many credit cards you have
If you want to check how many credit cards you have, you can use the following methods:
1. Customers can Go to the local People's Bank of China Credit Center to check your personal credit report and print it out. How many credit cards you have under your name, the processing time, usage, and repayment records of the cards will all be recorded in the personal credit report. Of course, you can also directly log in to the official website of the "People's Bank of China Credit Information Center" on your computer browser to check.
2. Customers can log in to each bank's online banking or mobile banking or credit card APP one by one, and find out how many credit cards they have with that bank on the personal account page; they can also call the customer service number of each bank and ask the customer service staff. OK. It's just that this method can only be checked bank by bank, which will be more troublesome.
In fact, if you usually keep all the credit cards you apply for in one place, you can also search them to see how many credit cards you have. It is recommended that you keep your credit card properly after you apply for it, and don’t just leave it aside when not in use. It would be bad if the card is lost, and it is likely to cause fraud, personal information leakage, etc.
Please click to enter the picture description (maximum 18 words)
How to check how many credit cards are in my name?
There are three ways to check the credit card in your name:
1. Telephone inquiry: You need to check the bank’s customer service number yourself, and use the customer service staff to check the credit card issued by your ID card Related information;
2. Log in to the credit reporting system: register and check your credit report and personal credit card information through your ID number;
3. Bank outlets: you can bring your identity Go to the local Credit Information Management Center of the People's Bank of China and check your personal credit card with the help of the staff. Operating environment; Apple 12iOS14 browser 12.8.7
With the popularity of credit cards, more and more people have become credit card users. Many people not only apply for a credit card, but also apply for multiple credit cards at the same time. However, as the number of credit cards increases, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones they should cancel. If you have the following credit cards, it’s best to cancel as soon as possible.
1. Credit card with low credit limit and difficult to pay
There is such a credit card. Although the threshold for applying for a credit card is not low, the credit limit of a credit card is pitifully low. In addition, it will be difficult to increase the credit card limit later. No matter how hard you work to improve your qualifications, credit card limits are still low. If you have this credit card on hand, instead of keeping it, you might as well cancel it indirectly to avoid overdue situations.
2. Long-term idle credit cards
Many peers apply for multiple credit cards just to show off and let others know that they have multiple credit cards at the same time. There are many people applying for credit cards and the consumption demand is very small. Idle credit cards have credit card fees and cannot be repaid on time, which can easily lead to overdue payments. Therefore, canceling the use of your credit card is the best solution.
3. Severely homogeneous credit cards
If you have two or more credit cards with similar benefits, please choose the credit card with the larger amount, and you can cancel the other credit cards.
4. Credit cards with fewer benefits
This requires careful comparison to find out among your own credit cards the credit cards with fewer benefits and less activities to cancel.
How to check how many credit cards a person has?
To know how many credit cards you have, check your personal credit report. There are two methods for checking personal credit information:
1. Online query.
Operating environment:
Brand model: iPhone13
System version: iOS15.0
App version: v7.2.5
Log in to the "Personal Credit Information Service Platform" of the People's Bank of China. After registration, you can query personal credit information. Currently, only certain cities have enabled the query.
2. Go to the local People’s Bank of China Credit Reference Office with your ID card to inquire.
Operation steps for online query:
Operating environment:
Brand model: iPhone13
System version: iOS15.0
Website:
1. Use a browser on your computer to open Baidu, enter "Personal Integrity Record Online Query" to search, and click to enter the personal credit information service platform.
2. After entering the platform, select registration (if you have already registered, select login), fill in personal information such as ID number, verification mobile phone number, etc. to complete the account registration.
3. After completing the registration, choose to return to the personal credit information service platform, log in with the registered account, and select user login.
4. After logging in to the platform, select credit report inquiry, answer the questions about the previously registered account settings, and then submit the application.
5. The application has been submitted. The People's Bank of China needs to approve your application within 24 hours, and then log in to the platform and enter the verification code to obtain your credit report. Your personal credit report will show how many credit cards you have and how many loans you have borrowed from the bank.
A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department to shop or consume, and then the bank will work with the merchant and the cardholder to The cardholder can make an overdraft within the prescribed limit.
There is no limit on the number of credit cards that individual users can apply for. In theory, they can apply for multiple credit cards. However, having too many credit cards not only increases the difficulty of management, but also increases the risk of overdue credit cards. Therefore, generally speaking, it is enough for users to have about 5 credit cards in their hands. Too many credit cards will also lead to an increase in personal debt ratio. Credit cards from the same bank have exclusive quotas. If a user has several credit cards from the same bank, it is enough to only keep the commonly used credit cards, and the rest of the cards can be canceled.
How to check how many credit cards you have in your name?
If you want to check all the credit cards in your name, the cardholder can check his or her personal credit report. On the home page of your personal credit report, you can see how many credit cards you have under your name, the processing time, usage, overdue status, and immediate credit limit of these credit cards.
The main methods for querying personal credit reports are:
Method 1: Query personal credit reports online to understand the number of credit cards in your name. The specific operations are as follows:
Step one: Log in to the official website of the Credit Information Center of the People's Bank of China, click the "Register" button in the upper left corner of the page, and fill in basic personal information such as personal name, certificate type, certificate number, etc. according to the page prompts , and complete the identity verification online to submit the registration application. At the same time, you must check the option of "Obtain credit information products on the day of successful registration";
Step 2: If the registration is successful through identity verification, the Credit Information Center of the People's Bank of China will give you the information you filled in during registration. Send a text message to your mobile phone number containing the activation code; within 7 days of receiving the activation code, promptly log in to the official website of the Credit Information Center of the People's Bank of China to complete the login activation;
Step 3: Usually, after you submit The day after you apply for the "Acquisition of Credit Information Product", the Credit Information Center of the People's Bank of China will send a text message to the mobile phone number you filled in when registering, containing a "query code"; within 7 days of receiving the query code, log in in time You can check your personal credit report on the official website of the Credit Reference Center of the People's Bank of China; the personal credit report contains all information about credit cards that already have your name.
Method 2: You can personally bring the original and a copy of your valid identity document, fill in the paper version of the "Personal Credit Report Personal Inquiry Application Form" at an offline inquiry outlet, and submit it to the relevant staff.
Extended information
Credit card is a non-cash transaction payment method and a simple credit service.
Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.