How to check whether you have a credit card in your name

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to recording information related to the cardholder's account and has bank credit limit and overdraft functions, and provide cardholders with various media related to banking services.

1. Bank branch inquiry

You can bring your ID card to the local branch of the People's Bank of China for enquiry. Just print out your personal credit report. Because the credit report will have credit card details, if you apply for a credit card, it will be displayed on your personal credit report.

2. Bank telephone inquiry

You can also call the customer service number of each bank and ask the customer service staff whether you have a credit card. But obviously, this method is very troublesome, and you have to make calls one after another.

3. Online inquiry

You can log in to the official website of the People's Bank of China and check whether you have a credit card by checking your personal credit report. It does not require printing out reports like going to a central bank branch. You can directly check the credit card details in your personal credit report online on the official website.

How do I check the credit in my name?

The credit card holder can complete the inquiry through the following methods:

1. You can directly bring your original valid ID to the bank counter for inquiry;

2 . Directly call the customer service of the credit card center and enter your ID number and credit card phone password for enquiry.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

Main Features

Pre-deposit of cash is not encouraged, consumption first and repayment later, enjoys interest-free repayment period, can be repaid in installments (with minimum repayment amount), join VISA, International credit card organizations such as MasterCard and JCB are used globally.

It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.

Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

It can simplify the collection procedures and save social labor.

Can promote product sales and social demand.

Product types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

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 Information 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, mobile banking, and 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 to ask the customer service personnel. 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 look through 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 do not leave it aside casually when not in use. It would be bad if the card is lost, and it is likely to cause fraud, personal information leakage, etc.

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How to check the credit card in your name

Nowadays, many friends apply for credit cards in different banks, all I have many credit cards. If I want to check my credit cards, how do I check the credit cards in my name?

1. Log in to the official website of the Credit Reference Center of the People's Bank of China, fill in basic personal information such as personal name, certificate type, certificate number and other information according to the page prompts, and complete identity verification online. The Credit Reference Center of the People's Bank of China will give you The mobile phone number you filled in when registering will send a text message containing a "query code"; within 7 days of receiving the query code, promptly log in to the official website of the Credit Information Center of the People's Bank of China to view your personal credit report; in the personal credit report It contains all the information for credit cards already in your name.

2. You can personally bring the original and copy of your valid identity document, fill in the paper version of the "Personal Credit Report Personal Inquiry Application Form" at an offline bank outlet, and submit it to the relevant staff. You can also check all the information of credit cards already under your name.

3. You can check your personal credit report. On the homepage of the personal credit report, you can see how many credit cards you have under your name, as well as the processing time, usage, overdue status, and immediate credit limit of these credit cards.

The above is about how to check the credit card in your name. I hope it will be useful to you!

How to check the credit card in your name

You can check in the following two ways

1. Customer service inquiry: call the customer service hotline of the corresponding bank's credit card center , request manual service to confirm and check the bank card in your name. The customer service staff will tell you the credit card in your name. The credit card customer service hotline of the credit card centers of major banks can be inquired at 114 or on the bank's official website. Note: Customer service hotlines of each bank

Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559); Shanghai Pudong Development Bank (95528) ; : 95577; Bank of Beijing (formerly Beijing Commercial Bank) customer service hotline: 010-96169; Postal Savings and Remittance Bureau: 11158; Shanghai Bank customer service hotline: 962888; China UnionPay customer service hotline: 95516

2. Website query : If you don’t know which bank to check, calling can be time-consuming and laborious. At this time, you can use the website to query or directly use the computer to query. Go to the bank's website, find "Application Progress Inquiry", and click to enter the inquiry page.

Select the id type, enter the id number, and click the "Search" button to query the results. Please note that documents supported when applying for a credit card include passport, ID card, etc. If you have various documents, it's a good idea to try to check them all. Note: Whether you use a credit card or not, you need to pay attention to the payment date and reconciliation date.

1. Credit card statement date refers to the monthly bank that issues the credit card. Your credit card account will be used regularly during the current period for each transaction, charge and other summary settlement, and interest will be calculated to calculate your current debt. The total amount and minimum repayment amount, and a statement will be mailed to you. This date is the billing date for your credit card.

2. The repayment date is the last date the issuing bank requires the cardholder to repay the due amount. This means that once billed by the issuing bank, you are expected to repay all charges by the due date.

3. The specific time for each bank to set the statement date is different. According to birthdays, some systems are random, and some are random on fixed dates. Some banks offer daily revisions to semi-annual statements. Effectively changing your billing date will go a long way in improving your card convenience. For example, 23 days is your bill, so the bill from February 24th to 23rd of this month is all your consumption and withdrawals, interest and repayments, such as the amount you should pay, what is the minimum payment, and the last reimbursement When the restructure is due before your last payment, no interest and only the minimum payment will show interest on your next bill and late fees will be charged.

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How to check the credit card in your name

1. Query through customer service, website or credit report.

2. We often encounter situations where we receive a bill inexplicably or are told that our credit is damaged. At this time, we need to know whether we have a forgotten credit card. Sometimes, in order to find out your credit card information, you will also check the credit card in your name. The following are several ways to check the credit card in your name:

1) Customer service inquiry: Call the customer service hotline of the credit card center of the corresponding bank and request manual service for confirmation. The credit card customer service hotline of the credit card centers of major banks can be inquired at 114 or on the bank's official website.

Note: Customer service hotlines of each bank: Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559);

2) Website inquiry: If you don’t know which bank to inquire about, making a phone call will be time-consuming and laborious. At this time, you can use the website to query, and you can do it directly with your computer. Go to the bank's website, find "Application Progress Inquiry" and click to enter the inquiry page. Select the certificate type, enter the certificate number, and then click the "Query" button to query the results. Note that since the documents supported when applying for a credit card include passports, ID cards, etc., if you hold multiple documents, it is best to try to check multiple documents.

3) Credit report inquiry: Obtaining information through credit report is the simplest and most convenient way. Generally, I recommend friends to log in to the online credit reporting platform on the official website of the People's Bank of China to check their credit reporting. The credit report will record in detail how many credit cards you have in your name, how many credit limits they have, which banks they are in, and what their current status is. With this information, we can list all the credit cards in our name and keep them for future reference.

Note: Regardless of whether you use your credit card or not, you need to pay attention to your repayment date and reconciliation date.

1. The credit card statement date refers to the card-issuing bank’s regular monthly summary and settlement of various transactions and charges that occurred in your credit card account in the current period, and interest calculation to calculate the total amount you owe in the current period. and minimum repayments, and a statement will be mailed to you. This date is your credit card statement date.

2. The repayment date refers to the last date when the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues the bill, you should pay off all the fees you have consumed before the due payment date.

3. Each bank has different specific billing date settings. Some are based on birthdays, some are random by the system, and some are random on a fixed date. Some banks can provide semi-annual statement date modification services. Effectively modifying the billing date time will greatly help enhance the convenience of using your card.

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This is the end of the introduction on how to check your credit card and how to check the level of your credit card. Do you know where you found the information you need?