If you apply for a credit card in two currencies, such as RMB and US dollar, although it is one card, the credit report shows that it is two credit cards. You may apply for a multi-currency credit card that can use ten currencies, so the credit report shows ten credit cards. Of course, if you often go abroad or plan to use cards abroad, then this foreign currency card is still useful. This depends on your personal needs. If it is only used domestically, there is no need to apply for such a multi-currency credit card. If you want a good credit report and do not need to go abroad, it is recommended that you cancel this card and then just select the RMB version when applying for a bank card.

: 1. Check, download and print from the official website of the Credit Reference Center.

Log in to the Credit Information Center of the People's Bank of China for inquiry (), click "Internet Personal Credit Information Service Platform" on the homepage, select "Start Now" on the new webpage, enter your personal username to log in, and log in for the first time. Registration is required. After logging in, select Information Services - Apply for Credit Information - Check the three credit information below. Enter your security verification information to get your credit report.

2. Bring your ID card and print it at the local Credit Reference Center of the branch of the People's Bank of China, or at the counter of a commercial bank authorized by the central bank.

3. If there is a local self-service credit report query machine, you can also print it yourself.

The bank has set up a self-service inquiry machine for personal credit reports. You need to bring your ID card (second generation) and mobile phone (information needs to be entered). This must be done in person and cannot be done on behalf of others. Place the second-generation ID card at the designated location of the inquiry machine (the left side of the middle part of the inquiry machine) and follow the on-screen prompts. There is a banknote slot on the right side of the middle part of the inquiry machine, which can hold 5 yuan and 10 yuan in RMB. Each resident can successfully check personal credit status and print a personal credit report for free twice a year. The third time is charged.

The Credit Information Center of the People's Bank of China will not inform information subjects of information involving loans, money or their inclusion in the blacklist via text messages, phone calls or emails.