1. If there is debt, the bank will only ask you to repay it within a time limit, instead of telling you that there is debt.

2. The bank will only call the mobile phone number and emergency contact person filled in the application materials. You have never received a message, bill or phone call. If someone else uses your identity information to apply for a card, the bank will also send you a lawyer's letter and then sue, and will not inform you that there is a debt.

Solution: (If you are not at ease, you can follow the following steps)

1. You can go to the bank counter or call customer service to check whether there is a card or loan.

2. Apply for "Personal Credit Information System" on the Internet and inquire about personal credit information report.

3. Inquire about "Personal Credit Report" in the Special Credit Department of PBOC Branch.

Note: 6 inquiries and multiple passive inquiries will affect the handling of credit cards and loans. The housing provident fund clearly requires that no loans can be made after more than 6 inquiries.