After the applicant has applied for a credit card and loan, the bank will review it at regular intervals. Even if the credit card is not overdue, the bank should check it once in a while. This is a post-loan review, and the credit report shows post-loan management.
Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ).
This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card.
Online inquiry of personal credit report
Provincial pilot, since March 27th, 20 13, the personal credit service platform of the central bank's credit information center has been tested and tried out for the public in Jiangsu, Sichuan and Chongqing provinces. Subsequently, since 20 13, 10/0/28, the pilot program has been expanded to 9 provinces, and 6 pilot provinces including Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong have been added.
There is no charge for the time being, because online credit report inquiry is only piloted in some areas, so there is no charge for the time being, and it does not occupy two free "places".
Personal credit report on-site inquiry
On-site inquiry process: individuals bring the original valid ID card and 1 copy, fill in the Inquiry Application Form for Personal Credit Report at the inquiry outlets, and submit the inquiry application. For individuals who make inquiries for more than 3 times in that year, the staff will inform them that they need to pay the inquiry service fee, and the individual will decide whether to pay the inquiry voluntarily. The fee is paid in cash at first, and will be gradually increased as needed in the future.
Charges for on-site inquiry: 2065438+On May 28th, 2004, the central bank announced that the Credit Information Center of the People's Bank of China would implement a charging system for individuals to inquire about their credit reports from June 3rd. Specifically, if an individual inquires more than twice a year, the service fee will be charged in 25 yuan every time, and it will be free twice a year ago. The number of personal inquiries in 20 14 years starts from June 3rd, 20 14, and the number of annual inquiries after 20 15 years starts from June 1 day of that year.