How can I check the creditworthiness of my credit card?

You can log on to the personal credit report website of the central bank

From March 29th, 214, the pilot scope will be gradually expanded to all provinces (cities and autonomous regions) in China, and the pilot batch scope will be gradually announced.

Anyone who holds the ID card of the pilot province (city, autonomous region) can check his/her credit report online. According to the personal credit information service platform of the central bank's credit information center, since March 27, 213, Jiangsu, Sichuan and Chongqing provinces have become the first pilot provinces that can query personal credit reports through the Internet.

from October 28th, 213, residents in Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong can check their personal credit reports online. From March 29th, 214, residents in Zhejiang, Tianjin and Xinjiang can check their personal credit reports online.

in order to ensure the security of personal information, individuals must conduct strict identity verification when inquiring about their credit reports through the internet. Only authenticated individuals can register as query users. Two authentication methods are provided: digital certificate authentication method and privacy question authentication method, and individuals can choose one of them for authentication.

when selecting the authentication method for privacy issues, if the personal authentication fails, the individual can switch to the digital certificate for authentication, or go to the branches of the People's Bank of China for on-site inquiry. During the trial operation, all inquiry services on the platform are free, and the website provides 24-hour uninterrupted service for 7 days.

Extended information:

Handling process of personal credit objection

The staff of the personal credit center said that if personal information is stolen by others, resulting in bad credit records, the parties concerned should immediately appeal to the issuing bank, which has a set of corresponding identification procedures and can delete the bad credit records.

1. Inquire about my credit report at the Credit Information Center

2. Submit a copy of valid ID card and present the original, the applicant's basic information and describe the objection

3. The staff applies for objection, and fills in the Application Form for Personal Credit Report

4. Both parties check it, sign it and confirm

5. Wait for a telephone reply, about 15 working days

Baidu Encyclopedia-Personal Credit [img].

first, when applying for a credit card or loan from a commercial bank, the bank will query the basic database of personal credit information, and the individual will read his own credit report.

Second, you can check with the credit management departments of the People's Bank of China.

except myself, only commercial banks can directly check users' credit reports when handling loans, credit cards and post-loan management, and commercial banks must obtain users' written authorization in advance.

Extended information:

According to the Regulation on the Administration of Credit Information Industry:

Article 15

When an information provider provides personal bad information to a credit information agency, it shall inform the information subject in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.

Article 16

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.

within the retention period of bad information, the information subject can explain the bad information, and the credit reporting agency shall record it.

Article 17

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

article 18

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

credit reporting agencies 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.

Article 2

Information users shall use personal information for the purposes agreed with the subject of personal information, and shall not use it for purposes other than those agreed upon, and shall not provide it to a third party without the consent of the subject of personal information.

Baidu Encyclopedia-Personal Credit Records

Where to check credit card information

How to check personal credit reports?

1. Check online.

the central bank's credit information center has opened a nationwide service to query my credit report through the Internet.

The query address is: htp:/, which is the only official website of the credit information center and can be opened by computers and mobile phones! After entering the website, click "Internet Personal Credit Information Service Pingyi" under "Core Business" on the homepage to enter the inquiry page → click "Start Now" → register a new user → log in the user → verify online identity → fill in and submit an inquiry application to obtain a credit report, which will be available the next day.

after receiving the credit report, it is recommended to download the PDF file and keep it for yourself.

2. offline inquiry.

The online inquiry report is a simplified version. If you want to inquire about the detailed version, you need to go to the outlets or self-service inquiry machines to provide counters or self-service terminals to inquire, and you can get it immediately. The specific address of each city offline query can open official website. Or call 4-818866 for enquiry.

don't forget to bring the original and copy of your valid ID card when you go.

You can check your personal credit information twice a year for free, and you need to pay a small extra fee for more than two times.

Extended information:

What does the credit report contain?

Basic information: including identity information, residence information, occupation information, etc.

credit information: refers to the information of borrowing and repaying money, which is the core information in the credit report.

Non-financial liability information: information formed after payment, such as telecom payment F

public information: social security accumulation fund information,++information, tax arrears information, administrative law enforcement information, etc.

Inquiry information: when and why did anyone check your credit report in the past two years?

how long will the bad information be kept?

bad information will be deleted from the credit report five years (later) from the date of termination, which is automatically set by the computer.

how often is the credit report updated?

it is updated every day. Most lending institutions submit data to the credit information system every day, so the changes that have taken place today may be shown in your credit report the day after tomorrow.

how many times will the inquiry affect the loan?

The inquiry record is a reference factor for whether to lend money. How many times will it affect the loan? The specific situation varies according to the standards of various institutions. From the perspective of risk control of financial institutions, generally speaking, there are four hard inquiries in one month, more than five in two months, eight in three months, and 12 in six months. Then, I'm sorry, I won't send them when I go out and turn right. Unsecured credit loan, no; Mortgage is also extremely difficult.

how to avoid too many hard queries?

1. Don't apply for a credit card frequently within a certain period of time. Every time you apply for a credit card, a hard inquiry record will be generated in the credit report, whether it is passed or not.

2. Don't often apply for loans from various online loan apps. Most of these online loan channels are small cash loans, and basically they have to check credit information. There are also those who don't go to the credit, but usually there are many routines with high interest. It is really necessary to read and ask clearly before applying.

3. Don't calculate the quota casually. Whether it's micro-loan or China Merchants Bank's lightning loan, all the things related to "see how much you can borrow" and "click to get the quota" will have an extra inquiry record, no matter whether you use the money or not.

how to check the credit of personal credit card?

go to the credit department of the local people's bank for inquiry.

you can visit the personal credit information service platform of the Credit Information Center of the People's Bank of China for inquiry. China People's Bank Credit Information Center Personal Credit Information Service Platform

China People's Bank Credit Information Center: It is a public institution directly under the People's Bank of China, and its main task is to be responsible for the construction, operation and management of enterprise and individual credit information systems in accordance with national laws and regulations and the rules of the People's Bank of China. In 1997, the People's Bank of China set up a project to build a bank credit registration consulting system. In February 24, the People's Bank of China started the construction of personal credit information system, and in April of the same year, it established a bank credit information service center. In January 26, the national centralized and unified basic database of personal credit information was built and officially put into operation.

personal credit report: it is an objective record of personal credit information, and it is an important reference for the lender to quickly and objectively decide whether to provide credit to the trustee.

All personal credit payment history includes:

Performance records formed by credit relationship with financial institutions.

the performance record formed by the loan relationship with other institutions or individuals.

the performance record formed by the credit purchase relationship with commercial institutions and public utilities.

performance records formed by economic relations with housing accumulation fund, social insurance and other institutions.

records of unpaid taxes and fees payable according to law.

various commendation records.

other criminal punishment, administrative punishment, administrative punishment or civil compensation records that may affect personal credit status.

This concludes the introduction of how to check the credit card reputation and how to check the credit card reputation. Did you find the information you need?