Individuals who want to inquire about the overdue records of credit cards can log on to the website of the Credit Information Center of the People's Bank of China, register and submit an inquiry application; You can call the central bank's credit information centers all over the country to inquire; Or directly bring your ID card to the local credit information center for enquiry. The subject of personal information has the right to get my credit report twice a year for free.

legal ground

Article 17 of the Regulations on the Administration of Credit Information Industry

Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Article 18

When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.

Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.

Article 19

If a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.