How to check whether there is a credit card in your name

1. Bank branch query

You can bring your ID card to the local branch of the People's Bank of China. To check, just print your personal credit report. Because the credit report will have credit card details, if you apply for a credit card, it will be displayed on your personal credit report.

2. Bank telephone inquiry

You can also call the customer service number of each bank and ask the customer service staff whether you have a credit card. But obviously, this method is very troublesome, and you have to make calls one after another.

3. Online inquiry

You can log in to the official website of the People's Bank of China and check whether you have a credit card by checking your personal credit report. It does not require printing out reports like going to a central bank branch. You can directly check the credit card details in your personal credit report online on the official website.

With the popularity of credit cards, more and more people have become credit card users. Many people not only apply for a credit card, but also apply for multiple credit cards at the same time. However, as the number of credit cards increases, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones they should cancel. If you have the following credit cards, it’s best to cancel as soon as possible.

1. Credit card with low credit limit and difficult to pay

There is such a credit card. Although the threshold for applying for a credit card is not low, the credit limit of a credit card is pitifully low. In addition, it will be difficult to increase the credit card limit later. No matter how hard you work to improve your qualifications, credit card limits are still low. If you have this credit card on hand, instead of keeping it, you might as well cancel it indirectly to avoid overdue situations.

2. Long-term idle credit cards

Many colleagues apply for multiple credit cards just to show off and let others know that they have multiple credit cards at the same time. There are many people applying for credit cards and the consumption demand is very small. Idle credit cards have credit card fees and cannot be repaid on time, which can easily lead to overdue payments. Therefore, canceling the use of your credit card is the best solution.

3. Severely homogeneous credit cards

If you have two or more credit cards with similar benefits, please choose the credit card with the larger amount, and you can cancel the other credit cards.

4. Credit cards with fewer benefits

This requires careful comparison to find out among your own credit cards the credit cards with fewer benefits and less activities to cancel.

How to check the credit card in your name

You can check in the following two ways

1. Customer service inquiry: call the customer service hotline of the corresponding bank's credit card center , request manual service to confirm and check the bank card in your name. The customer service staff will tell you the credit card in your name. The credit card customer service hotline of the credit card centers of major banks can be inquired at 114 or on the bank's official website. Note: Customer service hotlines of each bank

Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559); Shanghai Pudong Development Bank (95528) ; : 95577; Bank of Beijing (formerly Beijing Commercial Bank) customer service hotline: 010-96169; Postal Savings and Remittance Bureau: 11158; Shanghai Bank customer service hotline: 962888; China UnionPay customer service hotline: 95516

2. Website query : If you don’t know which bank to check, calling can be time-consuming and laborious. At this time, you can use the website to query or directly use the computer to query. Go to the bank's website, find "Application Progress Inquiry", and click to enter the inquiry page. Select the id type, enter the id number, and click the "Search" button to query the results.

Please note that documents supported when applying for a credit card include passport, ID card, etc. If you have various documents, it's a good idea to try to check them all. Note: Whether you use a credit card or not, you need to pay attention to the payment date and reconciliation date.

1. Credit card statement date refers to the monthly bank that issues the credit card. Your credit card account will be used regularly during the current period for each transaction, charge and other summary settlement, and interest will be calculated to calculate your current debt. The total amount and minimum repayment amount, and a statement will be mailed to you. This date is the billing date for your credit card.

2. The repayment date is the last date the issuing bank requires the cardholder to repay the due amount. This means that once billed by the issuing bank, you are expected to repay all charges by the due date.

3. The specific time for each bank to set the statement date is different. According to birthdays, some systems are random, and some are random on fixed dates. Some banks offer daily revisions to semi-annual statements. Effectively changing your billing date will go a long way in improving your card convenience. For example, 23 days is your bill, so the bill from February 24th to 23rd of this month is all your consumption and withdrawals, interest and repayments, such as the amount you should pay, what is the minimum payment, and the last reimbursement When the restructure is due before your last payment, no interest and only the minimum payment will show interest on your next bill and late fees will be charged.

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How to check the credit card in your name

1. Query through customer service, website or credit report.

2. We often encounter situations where we receive a bill inexplicably or are told that our credit is damaged. At this time, we need to know whether we have a forgotten credit card. Sometimes, in order to find out your credit card information, you will also check the credit card in your name. The following are several ways to check the credit card in your name:

1) Customer service inquiry: Call the customer service hotline of the credit card center of the corresponding bank and request manual service for confirmation. The credit card customer service hotline of the credit card centers of major banks can be inquired at 114 or on the bank's official website.

Note: Customer service hotlines of each bank: Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559);

2) Website inquiry: If you don’t know which bank to inquire about, making a phone call will be time-consuming and laborious. At this time, you can use the website to query, and you can do it directly with your computer. Go to the bank's website, find "Application Progress Inquiry" and click to enter the inquiry page. Select the certificate type, enter the certificate number, and then click the "Query" button to query the results. Note that since the documents supported when applying for a credit card include passports, ID cards, etc., if you hold multiple documents, it is best to try to check multiple documents.

3) Credit report inquiry: Obtaining information through credit report is the simplest and most convenient way. Generally, I recommend friends to log in to the online credit reporting platform on the official website of the People's Bank of China to check their credit reporting. The credit report will record in detail how many credit cards you have in your name, how many credit limits they have, which banks they are in, and what their current status is. With this information, we can list all the credit cards in our name one by one and keep them for future reference.

Note: Regardless of whether you use your credit card or not, you need to pay attention to your repayment date and reconciliation date.

1. The credit card statement date refers to the card-issuing bank’s regular monthly summary and settlement of various transactions and charges that occurred in your credit card account in the current period, and interest calculation to calculate the total amount you owe in the current period. and minimum repayments, and a statement will be mailed to you. This date is your credit card statement date.

2. The repayment date refers to the last date on which the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues the bill, you should pay off all the fees you have consumed before the due payment date.

3. Each bank has different specific billing date settings. Some are based on birthdays, some are random by the system, and some are random on a fixed date. Some banks can provide semi-annual statement date modification services.

Effectively modifying the billing date time will greatly help enhance the convenience of using your card.

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This is the introduction of how to check your credit card.