1. First open the China Merchants Bank Mobile Banking APP on your mobile phone and find all on the homepage.

2. Click All to enter the all application interface.

3. Find your personal credit report in all application interfaces.

4 Click on the personal credit report to enter the personal credit report inquiry interface. You need to enter the mobile phone verification code and then click on the free application inquiry.

5. Click the free application query button to enter the face recognition interface and choose to start face recognition.

6. After successful face recognition, you can check your personal credit report.

Version model: Apple 12 ios4 China Merchants Bank 35.2.12

Under normal circumstances, overdue credit cards will be recorded in the central bank’s credit report, and it is difficult for cardholders to ask the bank to cancel the report. In the past, the frequency of credit report updates was not that fast, and the bank may not report the credit report immediately. The cardholder only needs to have a reason for the overdue payment, and it is not malicious, such as being unemployed at home, losing his financial source, being sick and being hospitalized, etc. After paying off the debt immediately, you can contact the bank to explain the situation and negotiate with the bank to see if the report can be cancelled. But now that the second-generation credit bureau is online, the credit card may be overdue today and reported to the credit bureau the next day. The customer will not have time to negotiate with the bank to cancel the report. Moreover, banks will never cancel the reporting of overdue credit cards without any reason. Even if the customer negotiates with the bank, there is a high probability that the bank will reject it. However, overdue credit cards only need to be reported to the central bank's credit report, leaving bad records in personal credit reports. There is no manual intervention. Customers cannot apply to the People's Bank of China Credit Center to delete overdue records. You should know that this overdue record will generally be retained for at least five years after the customer pays off the debt before it can be deleted by the system.

Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system. The method to remedy overdue credit card records may seem simple, but it is not simple to operate either. I hope all cardholders will pay more attention, spend reasonably and repay on time. Credit card overdue records can be serious or minor. This is especially important if you want to apply for a loan using a credit card. If you want to know more loan information, please go to the personal loan website to make loans more efficient and convenient.