In the following operations, the operating environment is Android and any version of the mobile phone software is opened:

There are two ways to check whether a personal credit report is good:

1 On-site Inquiry: Bring the original and copy of your ID card to the local branch of the People's Bank of China for enquiry.

2 Online query: Enter the official website of the Credit Information Center of the People's Bank of China, click "Internet Personal Information Credit Service Platform", click "Start Now"; after registration is completed, enter the new page; click " "Credit Service" - "Application for Credit Information", select "Verification Method", "Credit Information (all three checked)", click Next after verification, and the credit information will be available in 24 hours.

If there are no overdue records or bad credit records in your personal credit report, it is considered good. How does the bank determine whether Lao Tie's credit report is excellent? Mainly from four dimensions, namely card application status, inquiry status, overdue status and debt status. As long as you control these four dimensions well, your credit report will be perfect.

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When it comes to applying for a card, it means literally. If it is a white household, there will be no credit report. If you have applied for a credit card, it will be shown on your credit report. The total credit limit of the credit cards we apply for is too high, and the debt ratio is greater than our load. The bank may feel that our repayment ability is insufficient and reject our application. Therefore, a moderate number of credit cards is very important. On the one hand, it helps us control our consumption desires; on the other hand, it also allows us to hand over a more beautiful credit report.