How to check the credit card in your name

1. Bring your ID card to a bank branch to check.

2. Log in to the People's Bank of China website () to query. First you need to register. After registration, log in to your account, click "Application for Credit Information" in "Information Services", then select the information you want to query and enter Get the verification code with your mobile phone number and enter the verification code to query the information. (Browser computer: macbookpro mos14 opens google version 92.0.4515.131)

1. Six major functions of credit cards:

1. Credit card is a certificate of confidence

The overdue record, credit limit and other information of the credit card account will be recorded in the national personal credit system. Cardholders can increase intangible assets such as credit through continuous accumulation, which is a beneficial support for cardholders to carry out other economic activities, such as applying for loans from banks.

2. Credit cards have credit functions

Credit cards can be used for consumption first and repayment later. You can enjoy an interest-free period of up to 50 days for consumption. If you pay off all the money on time, you can be exempted from the interest charged by the card-issuing bank on advances for cardholders.

3. Credit cards can be used for installment payment

When the cardholder uses the credit card to make large purchases, the bank will pay the merchant a one-time payment for the goods (or services) purchased by the cardholder. Spend the funds and then have the cardholder repay the money in installments to the bank.

4. Cash withdrawals can be made with credit cards

Cardholders can withdraw deposits from their credit card accounts at the card issuer's branch counters or ATMs, or they can also borrow cash in advance.

5. Credit cards have settlement functions

It is very convenient to make purchases at online domestic and foreign merchants, withdraw cash at ATMs and bank outlets, and transfer funds for settlement.

6. Credit card has overdraft function

This is the most important function of a credit card. It determines a credit limit based on the applicant’s credit situation. The applicant can apply within this limit. Overdraft consumption. For example, if your repayment date is the 12th of each month, then your consumption before the 12th can be repaid before the 30th of the last repayment day of the month; if you consume after the 12th, the repayment will be at the end of the next month. Yes, you can get more interest-free time.