1. You can go to the local (nearby) People's Bank of China, bring the original and copy of your ID card, and ask the staff of the People's Bank of China to check your personal credit report, which contains detailed information about you. Credit card application (including consumer) bank;

2. If the credit report shows that you have a credit card applied for by ICBC, but you are sure you have not applied for one, don’t worry. Bring the printed personal credit report to ICBC. Check with their credit card department staff to see if you have applied for a credit report at the bank. This is a good confirmation. If you have applied for a credit card at ICBC, there must be a copy of your ID card, signature and other information at that time;

3. If it is finally determined that you have not applied for a credit card with the bank (ICBC), it is easy to handle:

First, let the bank (ICBC) handle the objection. It will take less than a month. Your overdue record will be corrected;

Second, go to the local People’s Bank to apply for objection processing, the result is the same as the first;

Third, if you currently have more urgent business, You can ask the bank (ICBC) to issue you a paper certification document, that is, a certification that no credit card has been applied for or an overdue record has been issued. Take this certification to the bank where you plan to do new business and prove it to it;

4. If you want to know more detailed information, you can also log in to the Credit Information Center of the People's Bank of China through the Internet, or call the 400 number of the Credit Information Center.