Now many friends handle credit cards in different banks, so they have many credit cards in their hands. If you want to check your credit card, how can you check your own credit card?
1. Log in to official website, Credit Information Center of China People's Bank, fill in personal basic information such as personal name, certificate type and certificate number according to the page prompts, and complete the identity verification online. The Credit Information Center of China People's Bank will send a short message with "inquiry code" to the mobile phone number filled in when you register; Within 7 days after receiving the inquiry code, log in to the Credit Information Center of official website and China People's Bank in time to check your personal credit report; The personal credit report contains all the information of the existing credit cards under the personal name.
2. You can personally bring the original and photocopy of your valid ID card, fill in the paper version of the Personal Credit Report Personal Inquiry Application Form at the online banking outlets, and submit it to the relevant staff. You can also check all the information about the existing credit cards in your name.
You can check your personal credit report. On the home page of personal credit report, you can see how many credit cards are in your name, as well as the processing time, usage, overdue and instant credit line of these credit cards.
The above is about how to check your credit card, I hope it is useful to you!
How to check your credit card?
1. Inquire through customer service, website or credit report.
2. We often encounter such a situation that we receive bills inexplicably or are told that our credit is damaged, so we need to know if we have a forgotten credit card. Sometimes in order to find out their credit card information, they will also check their credit cards. Here are some ways to check your credit card:
1) Customer service inquiry: Call the customer service hotline of the corresponding bank credit card center to request manual service confirmation. Credit card customer service hotlines of credit card centers of major banks can be inquired at 1 14, or at the bank of official website.
Note: Customer service telephone number of each bank: Industrial and Commercial Bank of China (95588); Agricultural Bank (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, it will be time-consuming and laborious to make a phone call. At this time, you can use the website to inquire, and you can get it directly by 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 "Query" to find the results. Note: As the documents for applying for credit card support include passport, ID card, etc. If you have multiple documents, you'd better try to check them all.
3) Inquiry of credit report: It is the simplest and most convenient way to obtain information through credit report. Generally, friends are advised to log on to the online credit information platform of the People's Bank of China in official website to check their credit information. The credit report will record in detail how many credit cards you have in your name, how many credit lines you have, what bank you are in and what your current status is. With this information, we can list all the credit cards in our name and save them for later use.
Note: whether you use a credit card or not, you need to pay attention to your repayment date and reconciliation date.
1. The credit card billing date means that the issuing bank regularly summarizes and settles all transactions and expenses of your credit card account in the current period every month, calculates the total amount owed and the minimum repayment amount in the current period, and mails the statement for you. This date is your credit card bill.
2. Repayment date refers to the latest date when the credit card issuing bank requires the cardholder to repay the amount payable. In other words, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date.
3. The specific bookkeeping date and time of each bank are different, including by birthday, system random and fixed date random. Some banks can provide semi-annual bill date modification service. Effectively modifying the bill date will greatly help to improve your convenience in using the card.
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How to check whether there is a credit card in your name?
I. Inquiries about bank outlets
You can take your ID card to the local business outlets of the People's Bank of China and print your personal credit report. Because there will be credit card details on the credit report, if you have a credit card, it will be displayed on your personal credit report.
Second, the bank telephone inquiry
You can also call the customer service phone of each bank and ask the customer service staff whether they have applied for a credit card. But obviously, this method is very troublesome, and you have to fight one after another.
Third, online inquiry.
You can log in to the People's Bank of official website and China, and check whether you have applied for a credit card by checking your personal credit report. It doesn't need to print out a report like going to a central bank outlet. On official website, you can directly check the credit card details in the personal credit report online.
With the popularity of credit cards, more and more people have become credit card groups. Many people not only apply for credit cards, but also apply for multiple credit cards at the same time. However, with the increase of credit cards, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones should be cancelled. If you have the following credit cards, you'd better cancel them 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 is more difficult to increase the credit card limit later. No matter how hard you try to improve your qualifications, the credit card limit is still very low. If you have this credit card at hand, instead of keeping it all the time, it is better to cancel it indirectly to avoid overdue.
2. Long-term idle credit cards
Many colleagues 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 consumer demand is very small. Idle credit cards have a charge for swiping, so they can't repay on time, which is easy to cause overdue. Therefore, canceling the use of credit cards is the best way.
3. Credit cards with serious homogenization
If you have two or more credit cards with similar rights and interests, please choose a credit card with a larger amount, and other credit cards can be cancelled.
4. Credit cards with less rights and interests
This requires careful comparison to find out the credit card cancellation with less rights and activities from your own credit card.
How to check whether there is a credit card in your name?
There are three ways to check your own credit card:
1. Telephone inquiry: you need to inquire about the customer service telephone number of the bank by yourself, and inquire about the credit card related information handled by your ID card through the customer service staff;
2. Log in to the credit information system: register your credit information report and personal credit card information through your ID number;
3. Bank outlets: You can bring your ID card to the credit management center of the local People's Bank and check your personal credit card with the help of the staff. Operating environment; Apple 12iOS 14 browser 12.8.7
With the popularity of credit cards, more and more people have become credit card groups. Many people not only apply for credit cards, but also apply for multiple credit cards at the same time. However, with the increase of credit cards, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones should be cancelled. If you have the following credit cards, you'd better cancel them 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 is more difficult to increase the credit card limit later. No matter how hard you try to improve your qualifications, the credit card limit is still very low. If you have this credit card at hand, instead of keeping it all the time, it is better to cancel it indirectly to avoid overdue.
2. Long-term idle credit cards
Many colleagues 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 consumer demand is very small. Idle credit cards have a charge for swiping, so they can't repay on time, which is easy to cause overdue. Therefore, canceling the use of credit cards is the best way.
3. Credit cards with serious homogenization
If you have two or more credit cards with similar rights and interests, please choose a credit card with a larger amount, and other credit cards can be cancelled.
4. Credit cards with less rights and interests
This requires careful comparison to find out the credit card cancellation with less rights and activities from your own credit card.
How to check personal credit card (debit card)?
Personal credit card (debit card) query has three ways to run the query:
1. Telephone inquiry: you need to inquire about the customer service telephone number of the bank by yourself, and inquire about the credit card (debit card) related information handled by your ID card through the customer service staff;
2. Login to the credit information system: you can query your personal credit card (debit card) by running online registration and querying the credit information report with your ID number;
3. Handling at bank outlets: You can bring your ID card to the credit management center of the local People's Bank and check your personal credit card (debit card) with the help of the staff.
How to check your credit card?
You can query in the following two ways.
1. Customer service inquiry: Call the customer service hotline of the credit card center of the corresponding bank and request the manual service to confirm the inquiry of the bank card under your name. The human customer service will tell you the credit card in your name. Credit card customer service hotlines of credit card centers of major banks can be inquired at 1 14, or at the bank of official website. Note: Customer service telephone numbers of banks.
Industrial and Commercial Bank (95588); Agricultural Bank (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559); Shanghai Pudong Development Bank (95528); Industrial Bank (95561); China Everbright Bank (95595); Shenzhen Development Bank (95501); Minsheng Bank (95568); China CITIC Bank (95558); China Merchants Bank (95555); Guangdong Development Bank (95508); Huaxia Bank Customer Service Tel: 95577; Customer service telephone number of Bank of Beijing (formerly Beijing Commercial Bank): 010-96169; Postal savings and remittance bureau:11158; Shanghai Bank Customer Service Tel: 962888; China unionpay customer service hotline: 955 16
2. Website inquiry: If you don't know which bank to inquire about, it may be time-consuming and laborious to make a phone call. At this time, you can use the website to query, and directly use the computer to query. Go to the bank website, find "application progress inquiry", and then click to enter the inquiry page. Select the ID card type, enter the ID number, and then click the "Search" button to query the results. Please note that the documents for applying for credit card support include passport, ID card, etc. If you have all kinds of documents, you'd better try to check all of them. Note: Whether you use a credit card or not, you need to pay attention to the payment date and reconciliation date.
1. Credit card bill statement refers to the bank that issues credit cards every month, and will use your credit card account regularly in the current period of summary settlement of each transaction, handling fee, etc., and calculate the interest, your current total debt and minimum repayment amount, and mail the statement for you. This date is the billing date of your credit card.
2. The repayment date is the latest date when the issuing bank requires the cardholder to repay the due amount. This means that after the issuing bank issues the bill, you have to repay all the fees before the maturity date.
3. The specific time for each bank to set the bill date is different, divided by birthday, which is systematic and fixed. Some banks can provide daily revision service for semi-annual bills. Effectively changing the bill date is of great help to improve your convenience in using the card. For example, if the 23rd day is your bill, then the bill from February 24th to 23rd of this month is the repayment, interest and settlement of all your consumption and withdrawals, such as the amount you should repay, what is the minimum repayment amount, when is the last repayment, and the reorganization should be before the last repayment, with no interest. Paying only the minimum repayment amount will show the interest on your next bill, and there will be a late fee.
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This concludes the introduction of checking credit cards and checking whether they are cancelled. I wonder if you found the information you need from it?