The credit rating of banks can be divided into two ways: online inquiry and offline inquiry. Among them, offline inquiry: I hold a valid ID card to inquire at the counter of the local bank (some banks also have outlets to inquire about credit information); Online inquiry: You can inquire through the Credit Information Center of China People's Bank-Personal Credit Information Service Platform. After the credit product is processed (usually the day after the inquiry application is successfully submitted), the platform will send a short message containing the identity verification code to the user, and the user can log in to the platform with the identity verification code within 7 days after receiving the identity verification code.
It should be noted that the China People's Bank Credit Information System is free of charge for the first two inquiries every year, and 10 yuan is required for each inquiry in the future. If the information included in the platform is not enough to verify the identity, the reason may be that you have not applied for a credit card before and need to go to the site to inquire; Check the credit information to verify the bank card information. If the user has not had credit business contact with the bank (such as loan or credit card), then it is blank in the credit information system and cannot be registered.