How to check all the credit cards in your name

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

There are two ways to query< /p>

The first type: through credit inquiry (computer credit inquiry, bank credit inquiry)

The second type: through the bank's on-site branch inquiry

Computer inquiry Credit inquiry

This method is the most convenient and does not require going out, but the results need to be available the next day

Search the credit information center on the Internet - the Credit Information Center of the People's Bank of China

Download and Install Control—New User Registration—Login

Apply for Credit Information—Get Dynamic Code—Submit< /p>

Log in to the platform 24 hours after submitting the application, click on Credit Services and then click on Get Credit Information

You will see the number of your credit card accounts, which is the number of your credit cards.

The second method - branch inquiry

The cardholder brings the original ID card to the local People's Bank of China to print the credit report. The printed credit report can be printed immediately. The number of credit cards processed in one *** will be displayed.

How to check the credit card in your personal name

1. Go to the credit inquiry homepage and click on the Internet Personal Credit Information Service Platform; 2. After entering, click Login and fill in your login name and password. Click to log in;

Apply for a credit card

3. Perform identity verification. Users can obtain verification results in real time by choosing bank card, digital certificate or mobile financial IC card verification method; if they choose question verification method, they will receive the verification results via text message 24 hours after submitting the application. If the identity verification is not passed multiple times, other verification methods can be used. Or go to the local People's Bank of China branch to check the credit report on site;

4. Submit an inquiry application. The platform provides three product services: personal credit information reminder, personal credit information summary and personal credit report. The personal credit information reminder prompts the registered user in one sentence whether the registered user has existed in the personal credit system for the past 5 years. Overdue records, personal credit information summary shows registered users a summary of their personal credit status, including summary information of credit records, company records and inquiry records; personal credit reports show registered users their Basic information on personal credit information

including detailed information on credit records, some public records and inquiry records;

Credit cards

5. Obtain Query results. After the credit information product is processed (usually on the second day after the inquiry application is successfully submitted), the platform will send a 0-door recommendation text message containing the identity verification code to the user. The user can log in to the platform within 7 days of receiving the identity verification code. Use the authentication code to view query results.

How to check the credit card in your name

There are two ways to check

The first: through credit inquiry (computer credit inquiry, bank inquiry Credit inquiry), computer credit inquiry is the most convenient method and does not require leaving the house, but the results need to be available the next day.

Second type: Check through the bank's on-site branch. The cardholder brings the original ID card to the local People's Bank of China to print the credit report. It can be printed out immediately. The printed credit report will display a** *Number of credit cards processed.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

1. According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", since 2010, in order to restrain the rapid rise in asset prices and control inflation, the Chinese government has implemented sound money policy, and adopted a series of moderate tightening measures, indicating that macro-prudential and strengthened capital supervision have become the core of China's banking industry supervision. Various tightening money supply operations and capital constraint policies have an impact on the liquidity level and credit lending rhythm of Chinese commercial banks. and structure have had a profound impact.

The analysis believes that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payments; credit penetration has deepened; and the installment business has developed in depth.

2. In February 2012, the bank confirmed that credit cards without passwords are more secure. If the credit card is stolen, the bank will share the responsibility. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and if you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees. China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, the average annual growth rate of China's credit card issuance in the next 10 years will be The growth rate will remain at around 14%, and profitability will also tend to improve. It is expected that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

How to check which credit cards are in your name

As of now, there are nearly 6,000 banking institutions in Japan. Since these banks are independent companies, the system There is no direct connection, so if you want to check all the savings cards in your name, you can only check them one by one. But if you are checking a credit card, because there is a credit reporting system, you only need to check your personal credit report.

To check all the credit cards under your name, log directly into the website of the Credit Reporting Center of the People's Bank of China and print it yourself. Personal credit report, on the home page of the personal credit report, you can see how many credit cards you have under your name, the processing time, usage, and overdue status of these credit cards.

Debit card

Because a credit card is similar in nature to a loan, all banks need to report it to the Credit Reference Center of the People's Bank of China, so you can check it on the credit report. But debit cards are different. Debit cards are savings and non-credit cards, so they do not need to be reported to the central bank's credit reporting center. Therefore, you can only go to each bank to check.

To check the number of savings cards in your name in various banks, you can mainly use the following two methods:

One is at the counter: you need to bring your ID card before checking at the counter. Go inquire.

One is the bank's telephone banking (i.e. customer service): Telephone banking must be dialed from the mobile phone number reserved by the bank, and the ID number and telephone inquiry password must be known at the same time. Only when all three are met at the same time can the inquiry be made.

There are relatively few cases of credit cards being processed under false names, because it is easier to expose. Since there are so many banking institutions in our country, almost no one can check them all one by one, and some small banks have less stringent card opening reviews. , so there are cases of people applying for debit cards under their names. If your debit card is processed under someone else's name, you must promptly leave evidence of card issuance and immediately raise an objection with bank staff to protect the security of your personal information. If this is not possible, you can seek help from the police.

As there are more and more personal bank cards today, you must protect your personal bank card passwords to prevent them from being used at will by criminals.

How to use your ID card to check whether you have applied for a credit card

You can go to the corresponding bank business hall with your bank card and ID card to check. There are several other ways to check: < /p>

1. You can see all the credit cards and card issuing banks under your name by checking your credit report or printing your credit report records

2. Call the customer service number and provide your identity information to the bank. Customer service will tell you the number of bank cards in your name

3. Download mobile banking and log in to query

Since it is personal private information, although you can query it through bank customer service, it is strongly recommended. Make a backup copy of your frequently used cards for emergencies. It is recommended that backups be stored in a secure location, or somewhere that is easily accessible but encrypted when needed. Although the inquiry requires personal information, you must prevent personal information from being leaked. In short, you must protect personal information when using a credit card.

Credit Card

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's 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 designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Whether your card is a credit card

1. If the card has the words "credit card" and "credit card" clearly written on it, it is a credit card.

2. There is a laser anti-counterfeiting mark on the front of the credit card, but not on the debit card (except for some bank debit cards).

3. The credit card must have an expiration date.

4. The words "debit card", "savings card", "cash card", "MAESTRO" and "CIRRUS" clearly appear on the card surface are debit cards.

5. Credit cards are all embossed. Debit cards are either flat-printed or embossed.

6. The front of the credit card has the Chinese pinyin of the cardholder’s name, and some also have the gender “MR” and “MS”. A debit card is not necessarily available.

7. There is generally no need to enter a password when using a credit card (except for Shenzhen Development Bank credit cards, CITIC Credit Cards, and some CCB credit cards). You only need to enter 6 or 4 digits on the password key to confirm.

8. Credit cards have expiration dates.

9. There is a CVV code for online payment on the back of the credit card.

How to check the credit card in your name

There are three ways to check the credit card in your name:

1. Telephone inquiry: You need to check by yourself Call the bank’s customer service phone number and use the customer service staff to query the credit card information related to your ID card;

2. Log in to the credit reporting system: check your credit reporting report and personal credit card information by registering with your ID card number;

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3. Bank outlets: You can bring your ID card 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 can you find out how many credit cards you have applied for with your ID card?

1. You can try to log in to the website of the Credit Reference Center of the People's Bank of China to check the credit report. The credit report will include the card application number. (The credit report is not updated in real time, and there will be a certain delay in the information, so it is recommended to check at irregular intervals); if you have a CMB savings card and professional version, you can also check your personal credit report through some counters of CMB and the professional version.

2. Bring your ID card or the ID card of the client and the power of attorney, and go to the credit inquiry window of the People’s Bank of China where you are located to provide your ID card to print your personal credit record;

3. Open the official website of the Chinese People's Credit Information Center, register an account with your mobile phone number and ID card, and submit a personal credit record inquiry application in the personal inquiry column. Usually, your mobile phone will receive an inquiry code from the Credit Information Center within 72 hours. Open the official website of the Chinese People's Credit Information Center again and log in to register an account. Enter the inquiry code of the mobile phone text message in the personal inquiry column to check the personal credit information. At the bottom of the page, you can generate a PDF document to download and save.

4. The first method is a simple method, but it is also a stupid method, which is to call the bank’s customer service number. What is the Industrial and Peasant Construction Center, 95588, 95599, 95560, 95533? Call them one by one, and you can find out the bank cards you have applied for in each bank. The second method is similar. Just go to one bank with your ID card and check how many bank cards you have in this bank through the counter. Both of these methods are relatively stupid, but there is no other way. Only by doing this can we check comprehensively. Under normal circumstances, it is normal to not know how many bank cards you have, but it is still relatively rare to not know which bank you have applied for a card from. The third method is to use the card issuing bank. Log in to the bank's online banking. If you don't have an account to log in to the website, register first. After the registration is completed, all the bank cards you have dealt with in this bank will usually be displayed, so that you can check or be aware of them. The fourth method is to use mobile banking. Download the bank's mobile banking client and go to the counter to open mobile online banking. After logging in to mobile banking, you can usually check it at the Personal Credit Center of the People's Bank of China run by the bank. When you check your credit with your ID card, you can check it. There is no need to go to every bank for loans, credit cards, and bank cards involving loans. However, if the business in your bank card only involves savings, it will not be found in the People's Bank of China credit report. Bank cards are also visible at a glance. Check online personal integrity records. The procedure is to search online through Baidu: Personal Integrity Record Inquiry. After entering the website, fill in the ID number and mobile phone to complete the registration verification and apply for personal credit inquiry. After the application is approved, you can check the credit cards you have applied for in various banks and the bank cards involved in loans. This method is the same as above, and the debit card cannot be found.