How to check bank credit records?
There are three ways to check bank credit records. 1. There are three ways to query bank credit records: credit reporting center, financial outlets and website independent query. The most convenient and fastest method is to query the website independently. 2. Credit reference center inquiry. Users can bring their ID cards to the local credit reference center to inquire and print. It should be noted that the credit reference center only provides free inquiries twice a year, and you will be charged for more than one inquiry. If a financial outlet is connected to a bank's credit reporting system, you can directly query credit reporting records on it. 3. The method for self-inquiry on the website is to enter the website of the Credit Information Center of the People's Bank of China. Find the Internet personal credit information service platform, click Start Now, log in, submit the application report through verification, and then generate a credit report.
How to check your credit report
When it comes to personal credit reports, many people may be confused. After all, they don’t often contact them. They only check when they need a loan or apply for a credit card. Only then are you told to check your personal credit report, but you don’t know whether your personal credit report is good or not. If you can check it yourself first, you will have a good idea. So, how to check personal credit? Let’s take a look below.
How to check personal credit report?
There are generally five query methods:
1. Log in to the official website of the Credit Information Center of the People's Bank of China to query
Enter the personal credit information service platform and register Log in and follow the page prompts to borrow money. This method is more commonly used, but the results cannot be obtained immediately. Generally, you need to wait 24 hours to get the personal credit information report the next day.
2. Log in to personal online banking or mobile banking apps of commercial banks to query
Mainly include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, and China CITIC Bank , Shanghai Pudong Development Bank, China Guangfa Bank, Bohai Bank, Ping An Bank, China Everbright Bank, etc.
3. Query through the UnionPay app
A mobile payment software launched by China UnionPay, but the pilot query service is currently only available in Shanghai, Guangzhou, Shenzhen, Hangzhou, Chongqing, and Nanning , Changsha and Fuzhou are online.
4. Check the self-service inquiry machines of offline pilot commercial banks
The commercial banks mentioned above have some business outlets that provide "personal credit self-service inquiry machines", click For the personal credit report on the self-service inquiry machine, put your original ID card and follow the page prompts to inquire and print it out.
5. Go to the local branches, sub-branches and business management departments of the People's Bank of China to inquire
For example, the People's Bank of China Shanghai Branch, the People's Bank of China Changsha Central Branch, the People's Bank of China Beijing Business Management There are 36 branches across the country. Search the local address on the web and remember to bring your ID card with you.
How to check personal credit report?
Currently, customers who want to check their credit reports can go to the People's Bank of China with their ID cards to check. It is currently free of charge. Commercial banks can only use the options of "loan approval", "bank card approval", "post-loan management", "provident fund withdrawal review", "guarantee qualification review", "special merchant qualification review" and other options during business management to grant personal credit to the bank When customers conduct personal credit report inquiries, the People's Bank of China charges commercial banks corresponding fees for the above inquiries, which are currently borne by commercial banks. There will be no charge if you use the Objection Verification option. But there must be an objection application form from the customer. Bank of China’s 24-hour customer service hotline is 95566.
The above content is for your reference, please refer to actual business regulations.
How to check the credit report?
How to check the personal credit report
There are three ways to check the personal credit report:
1. Log in to the official website of the Credit Information Center of the People's Bank of China to make inquiries. Register as a user on the official website of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China. Then submit a personal credit report inquiry application, and you can obtain the inquiry results and electronic report the next day;
2. Inquire on the self-service inquiry machine authorized by the central bank
Some commercial banks have self-service credit inquiry machines, complete the face recognition technology and ID card, and enter the information on your mobile phone after successful comparison Number, you can print a simple or detailed version of the personal report;
3. Go to the local branches and credit reporting centers of the People’s Bank of China to inquire
For some home buyers, Banks often need a detailed version of the credit report, which must be checked and printed at the local branches and credit reporting centers of the People's Bank of China.
Extended information:
1. How often is the credit report updated?
Credit report records are updated every 1-2 months. In other words, your loan record for the current month can only be seen in the credit report after the following month. Therefore, it is difficult for everyone to see the latest credit report, and there are currently regulations that even if the debt has been paid off, the bad loan records will still be retained in the credit report record for five years, and only after 5 years. , everyone’s bad credit record will be eliminated by the system!
2. Issues to note in the credit report:
1. The records in the credit report cannot be modified manually. Please do not trust the intermediary's words, otherwise you may suffer financial losses
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2. Although the credit report records will not be updated until 1-2 months, it is difficult for people who are overdue to use this time difference to apply for new loans
3. Not all loans Institutions are all connected to the credit reporting system, so the overdue records of some institutions cannot be found in the credit reporting report
As we all know, personal credit reporting records all borrowing behaviors of everyone in financial institutions. This is also an important basis used by banks to judge whether they can grant applicants loans. It can be said that without a good credit report, it will be difficult to get approved for loans, credit cards, etc.!
Where to check credit card credit report
How to check personal credit report?
1. Search online.
The Central Bank’s Credit Reference Center has launched a nationwide service to query personal credit reports through the Internet.
The query URL is: http://, which is the only formal official website of the Credit Reference Center. It can be opened on both computers and mobile phones! After entering the website, click "Internet Personal Credit Information Service" under "Core Business" on the homepage. Enter the inquiry page → click "Start Now" → go through new user registration → user login → online identity verification → fill in and submit The credit report will be available the next day after inquiry.
After receiving the credit report, it is recommended to download the PDF file and keep it for yourself.
The online inquiry of the credit report is a simplified version. If you want to inquire the detailed version, you need to go to the branch or self-service inquiry machine. There are 200 inquiry points across the country to provide counter or self-service terminal inquiry. The specific address for offline inquiry in each city can be opened immediately. Official website. Or call 400-8108866 to inquire.
Don’t forget to bring the original and copy of your valid ID card when you go.
You can check your personal credit for free twice a year. In this case, you will need to pay a small additional fee for more than 2 times.
Extended information:
What is included in the credit report?
Basic information: including Identity information, residence information, occupation information, etc.
Credit information: refers to debt repayment information, the core information in the credit report.
Non-financial liability information: consume first and pay later. Information formed, such as telecommunications payment, etc.
Public *** information: social security provident fund information, information, tax arrears information, administrative law enforcement information, etc.
Query information: In the past 2 years, Who checked your credit report and for what reason?
How long will the adverse information be kept?
Five years from the date of termination (later). Delete from the credit report. This is automatically set by the computer.
How often is the credit report updated?
It is updated every day.
Most lenders report data to the credit bureau every day, so changes that occur today may appear on your credit report the day after tomorrow.
How many inquiries will affect the loan?
The query record is a reference factor for whether to lend money. How many times will the query record affect the loan? The specific situation varies according to the standards of each institution. From the perspective of risk control of financial institutions, generally speaking: 4 hard inquiries within 1 month, more than 5 times within 2 months, and 8 times within 3 months. , 12 times in 6 months, then, sorry, turn right when you go out and don’t deliver. Unsecured credit loans are not available; mortgage loans are also extremely difficult.
How to avoid too many hard queries?
1. Do not apply for credit cards frequently within a certain period of time. Every time you apply for a credit card, a hard inquiry record will be generated in your credit report, regardless of whether it is approved or not.
2. Do not frequently apply for loans through various online loan APPs. Most of these online loan channels are small cash loans, and they basically require a credit check. There are also cases where you don’t have a good credit report, but usually there are many tricks and high interest rates, so you really need to look carefully and ask questions before applying.
3. Don’t calculate the amount casually. Whether it’s Weili Loan or China Merchants Bank’s Flash Loan, all those related to “See how much you can borrow” and “Click to claim the credit limit” will create an additional query record with just one click, regardless of whether you have used the money or not.
This is the end of the introduction on how to check credit card credit information and how to check credit card credit information. Have you found the information you need?