How to check the credit worthiness of Bank of Communications credit card?

How to check the credit limit of Bank of Communications credit card:

1. Query via customer service phone. You can call the bank's 24-hour customer service hotline 400-800-9888 and follow the prompts.

2. SMS query. You can use the reserved mobile phone number and edit the text message "CC limit #++ last four digits" to 95559 to query the current available limit and current cash withdrawal limit of the specified card.

3. Online banking inquiry. You can log in to the Bank of Communications' online banking and select the frequently used account number to check the available limit.

4. Bill inquiry. Cardholders can check the available credit limit for the month on each credit card statement issued by the bank.

5. Mobile client query. You can download and log in to the Bank of Communications mobile client and click on the account information to check the available limit.

How to check the credit worthiness of a credit card?

Question 1: How to check the credit worthiness of a personal credit card. Hello, please log in to the People's Bank of China website pbc.gov to check. The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. The bank will not make any negative comments on your usage records. It will only give you honest feedback on your historical usage records without any subjective judgment.

Question 2: How to check the personal credit record of a credit card online. The method of checking the personal credit record of a credit card online is as follows.

Log in to the People's Bank of China's "Personal Credit Information Service Platform" icrs.pbccrc/, and you can query personal credit information after registration.

You can also bring your ID card and go to the local branch of the People's Bank of China to inquire in person. You can check your personal credit report at a branch of the People's Bank of China. In the report, you can check whether you have applied for a credit card and how many credit cards you have applied for.

After submitting the credit information inquiry request, please visit the platform after 24 hours to obtain the result. If the identity verification fails, please apply again. To ensure the security of your information, the credit information applied for will be automatically cleared after 7 days. Please obtain the query results in a timely manner.

The following is an operation demonstration:

Question 3: How to check whether you have applied for a bank credit card? Call the bank and ask customer service.

ICBC customer service number 95588

Bank of Communications customer service number 95559

China Construction Bank customer service number 95533

Bank of China customer service number 95566

China Merchants Bank customer service number 95555

Agricultural Bank of China customer service number 95599

Minsheng Bank Wuhan Branch 95568

......

Question 4: How to check the credit score of a credit card online 1. Log in to the online banking of the credit card issuing bank to check the credit score of the credit card.

2. The bank will mail or send the monthly credit card statement to your designated email address, and the statement will also include credit card credit.

Question 5: How to check the authenticity of a credit card? The authenticity of a credit card cannot be checked. The pinyin spelling of your name is written under the credit card. If you have applied for a credit card, just call the official credit card number to check

Question 6: How to check credit card records? When will the repayment be completed? At this time, you need to check your credit card records in time to ensure your personal credit status. So, how to query credit card records? What are the methods? Generally speaking, the methods of querying credit card records include bill query, telephone banking query and online banking query. Each query method can get you the final answer you want. Telephone Banking Inquiry Cardholders who want to inquire about their credit card records can directly call the credit card center service hotline of the bank to which their credit card belongs and follow the voice prompts, or enter their ID number, bank++ and other information with the help of customer service personnel. You can check your credit card usage status. Of course, if the telephone inquiry takes too long, you will need to bear a lot of phone bills, so this method is more suitable for simple inquiries. If you want to make detailed inquiries, you can solve it through online banking. Bill Inquiry Cardholders who want to inquire about their credit card records can fill in their complete personal contact information when applying for a credit card and choose whether they need to mail a bill. Even in the era of e-commerce, paper bills bring a sense of solidity and clarity that the Internet cannot match.

As long as cardholders carefully check the bills sent by the credit card center every month, they will be able to understand their card usage at a glance. It seems that as long as you are willing, it is easy to solve the problem of how to check credit card records. The arrival of the e-commerce era for online banking inquiries means that if you do not integrate into it, you will fall behind. Nowadays, the online banking services of major banks across the country are becoming more and more comprehensive and convenient. When cardholders want to solve the problem of how to check credit card records, they may choose to open online banking at the bank counter and centrally manage all their bank cards from the same bank, which is safe and fast. As long as there is an Internet connection, you can check your credit card records at any time by opening your laptop. You can truly check your credit card records at any time without wasting any time.

Question 7: How to check whether the credit card has been approved. Hello, if you are applying for a credit card from our bank, you can check in the following two ways: 1. Log in to the credit card website 8008205555, click on the upper right side of the homepage "Application progress inquiry", follow the prompts to enter the ID number to inquire; 2. Call the credit card customer service hotline 4008205555-3#-2 for inquiry.

(You can consult online through QQ or WeChat about the China Merchants Bank credit card service information you want to know. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: In Search the number "cmb4008205555" on WeChat and follow China Merchants Bank Credit Card Center)

Question 8: How can I find out how much money is in my credit card? You can inquire by phone, online, or through mobile banking. You can see the balance, limit, monthly bill, etc.

Question 9: What does credit card credit reporting mean? How to check credit card credit reporting? What does credit card credit reporting mean?

Credit cards are controlled by banks or credit cards The company issues it to the cardholder based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card and will repay the money on the bill date. Banks regularly assess customer risks. In addition to basic repayment records and quota usage, consumption habits are also very important, and credit card credit is one of the important factors.

Computer

Website for personal credit record online query

1. Many people don’t know the website for online query of personal credit record. We can search “personal credit record” on Baidu. Credit record online inquiry." Then the first one marked with the official website in the search results is the query platform.

Credit record query website

2. After entering, there is a personal credit record online query website, and you need to register first. You can check it after logging in.

Personal credit record online inquiry process

Registration:

To inquire, you must first register. The first step of registration is to fill in your personal identity information. ID card and name. Then if you don’t know the digital certificate as the verification method, you can choose question verification.

The problem verification is the usage record of your bank card. If it is a credit card or loan you have been using. All can be remembered. Fill it out carefully according to the time.

Set the account and password after verification. Remember that passwords need to be in both uppercase and lowercase letters. Otherwise you will have to re-enter.

After submitting the registration application, you need to carefully check the application results and the credit report query code. You also need to watch your own review results. You need to log in to activate within ten days.

You will not be able to log in without verification. As shown in the figure below.

If you don’t receive a text message for a long time, you can check if there are any spam messages in your spam. Some software will automatically intercept such information. Like mine, it's in spam text messages.

Then there is the login query. There will be an activation code when you log in. The activation code is sent to the phone. Enter click the Activate button. Then it will automatically jump to login.

Then the left navigation is personal credit inquiry. Click on summary information query. Then click to get the query results. Then click the Get Confirmation Code button. A text message will be received on your phone. Enter the confirmation code and click the Submit button.

Then you can see your personal credit record

Question 10: How to check credit card debt. There are two ways to check credit card debt. One is through online banking, and the other is Cardholders can directly call the credit card customer service center for enquiries.

The specific situation is as follows:

1. Online inquiry

You can easily check your current debt status through credit card online banking. Click here to log in to the official bank credit card website: click on the lower middle on the right Click "System Login" to enter the login page, enter credit card ++, and check the password to check the current arrears. If you have not yet opened bank online banking, you can open bank credit card online banking online without going to a bank branch.

2. Telephone Inquiry

Call the bank credit card number and transfer to manual service, and you can ask customer service to inquire about your current arrears.

How to check the bill details of Bank of Communications credit card

The credit card statement of Bank of Communications can be checked through four methods. The details are as follows:

1. Query at Bank of Communications outlets: Yes Go to a Bank of Communications branch to check the detailed information of your credit card bill, and take your ID card and credit card with you when you go.

2. Inquiry on the official website of the Bank of Communications: Bank of Communications credit card holders can log in to the official website of the Bank of Communications and query their credit card statements through the credit card inquiry in the account inquiry service.

3. Telephone inquiry: You can call the Bank of Communications credit card service hotline 95559 and follow the voice prompts or transfer to manual inquiry.

4. SMS query: Edit the SMS "CC Unissued Bill #++ last 4 digits" and send it to 95559, and you can query the credit card bill before the deadline for sending the SMS.

Bank of Communications World Elite Credit Card

World Elite Credit Card and Diamond Credit Card are the highest-grade credit cards of Bank of Communications. They are the first in the industry to pay monthly annual fees. The monthly payment is 400 yuan/month. You can enjoy high-end benefits such as hotels, sports and business travel.

Four nights of star-rated hotel accommodation, 24 times of swimming and fitness, yoga, equestrian, skating and other high-end sports in star-rated hotels, year-round family health butler, 12 times of alcoholic driving service, high-end Family travel insurance and exclusive concierge service

Huanran Platinum Credit Card

Huanran Platinum Card, the annual fee is waived in the first year, and the annual fee is waived for the following year with 6 purchases. You can enjoy overseas airport VIP lounges 3 times a year, and have rich points rights. Points can be exchanged for mileage of the four major airlines, overseas airport VIP room services and alcohol-based driving services. You can also obtain platinum level rights on the UnionPay platform.

Micard Platinum Credit Card

Based on the "her economy", the Micard series is issued to young female customers with the theme of "best friends". It is the first to create the "3x bestie points" benefit, provides 50% off installment discounts, innovatively launches "bestie group" card application, and enjoys platinum benefits such as airport VIP lounges, outlet VIP channels, and points redemption for miles.

In addition, in view of women's pursuit of beauty, we have specially joined hands with a century-old brand crystal company to create crystal honey cards with light luxury jewelry specifications.

Platinum Credit Card

Bank of Communications Platinum Credit Card provides you with a full range of business travel or family travel services, covering airport VIP lounges, alcohol-based driving, roadside assistance, and high-income families Comprehensive travel protection and many other exclusive services provide you with a platinum life experience.

Standard Credit Card

Bank of Communications Standard Credit Card provides comprehensive credit card financial services, password signature, free choice, interest-free repayment period up to 56 days, and a "privileged life" ”, “Exclusive Advantages” and many other preferential plans allow you to enjoy the endless fun of swiping your card.

How to check the creditworthiness of Bank of Communications credit card

The bank does not disclose the evaluation value of the applicant, let alone let you check it online. Give up, there is no way to check this "creditworthiness" "

Five ways to check what is the general limit of a Bank of Communications credit card

The credit card limit is not a fixed value. Banks often determine the credit card limit based on the repayment ability and repayment ability of the card applicant. Different quotas are given based on financial strength and credit information. So friends who want to apply for a Bank of Communications credit card will definitely want to know, what is the general credit limit of a Bank of Communications credit card, and how can you get the limit inquiry? The answer is given below.

What is the general credit limit of Bank of Communications credit card?

Bank of Communications credit card has different limit space according to the different levels of the credit card. The higher the level, the higher the credit limit. At the same time, the credit limit of the card applicant is required. The better the qualifications.

Normal card limit range: 1,000-10,000 yuan;

Gold card limit range: 1,000-50,000 yuan;

Platinum card limit range: Generally it is more than 50,000 yuan, and the highest can be more than 1 million.

The credit card limit is mainly determined by the applicant's personal conditions and financial conditions.

How to check Bank of Communications credit card limit

Query method one: online banking

Log in to Bank of Communications online banking and select the frequently used account number to query the available limit of Bank of Communications credit card.

Query method two: mobile client

Download and log in to the Bank of Communications mobile client, click on the account information to query the available credit limit of the Bank of Communications credit card.

Inquiry method three: Customer service phone number

Call the Bank of Communications 24-hour customer service hotline 400-800-9888 and follow the prompts to inquire about the Bank of Communications credit card limit.

Query method four: SMS

Use the reserved mobile phone number and edit the SMS "CC limit #++ last four digits" to 95559 to query the current available credit limit of the specified card. and current withdrawal amount.

Query method five: Bill

Cardholders can check the available credit card limit for the current month on the credit card statement sent by Bank of Communications in each issue.

Bank of Communications Credit Card SMS Bill Inquiry

1. SMS Inquiry Method:

1. Bank of Communications Credit Card Bill Inquiry: CC Bill #++ will be sent with the last 4 digits To 95559, you can check the amount and repayment date of the latest bill of the designated card;

2. Bank of Communications credit card balance inquiry: Send the last 4 digits of CC balance #++ to 95559 to check the deadline Up to the account balance of the card specified when sending the text message;

3. Inquiry on Bank of Communications credit card unissued bills: Send the last 4 digits of CC unissued bill #++ to 95559 to query up to the time specified when sending the text message. The accumulated transaction amount that has not been billed by the card;

4. Bank of Communications credit card trial repayment inquiry: CC trial repayment #YYMMDD#++ last 4 digits sent to 95559, you can query until YYMMDD (year, month and day, for example, 100907) specifies the account balance of the card;

2. Bank of Communications credit card information can be queried through the following methods:

1. Make Bank of Communications credit card purchases through the customer service phone Record query. Users can call the 24-hour service hotline of Bank of Communications at 400-800-9888 and follow the voice prompts to transfer to manual inquiry.

2. Check the Bank of Communications credit card consumption records through the Bank of Communications ATM machine.

3. Inquire about Bank of Communications credit card consumption records through Bank of Communications business outlets.

Extended information

"Bank Card Business Management Measures"

Article 45

The card-issuing bank shall comply with the following credit card business risks Control indicators:

(1) The amount of a single overdraft of the same cardholder shall not exceed 20,000 yuan (including the equivalent++) for personal cards, and the amount for corporate cards shall not exceed 50,000 yuan (including the equivalent++) ).

(2) The monthly overdraft balance of the same account for personal cards shall not exceed 50,000 yuan (including the equivalent++), and for corporate cards shall not exceed 3% of the card-issuing bank's comprehensive credit limit for the unit. For units that do not have a comprehensive credit limit to refer to, their monthly overdraft balance shall not exceed 100,000 yuan (including the equivalent++).

(3) The overdraft limit of the ++ card shall not exceed 80% of the cardholder’s deposit (including the pledged amount of the savings certificate). (4) The average monthly overdraft balance that occurs for more than 180 days (including 180 days, the same below) from the date of implementation of these measures shall not exceed 15% of the average monthly total overdraft balance.

Article 46

The maximum overdraft period for a quasi-credit card is 60 days. The minimum repayment amount for the first month of a credit card shall not be less than 10% of the overdraft balance of the month.

Article 47

The card-issuing bank shall recover overdrafts and ++ funds through the following channels:

(1) Deduction of the cardholder’s deposit, in accordance with the law Handling mortgages and pledges;

(2) Recovering overdrafts from the guarantor;

(3) Recovering through judicial procedures.

References: Baidu Encyclopedia Bank Card Business Management Measures

This ends the introduction to Bank of Communications credit card credit inquiry and credit card Bank of Communications. I wonder if you found the information you need. ?