No credit cards, no credit reports.

If you don't have a credit card, you can also check the credit history. It has nothing to do with whether you have a credit card or not.

The information in the personal credit report mainly includes six aspects: the verification results of the identity information of the Ministry of Public Security, personal basic information, bank credit transaction information, non-bank credit information, my statement and objection labeling, and historical information inquiry.

As the subject of credit report, individuals have the right to know. According to the Regulations on the Administration of Credit Information Industry, individuals have the right to obtain their credit reports twice a year for free.

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation.

On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.

The meeting reviewed and approved the Regulations on the Administration of Credit Information Industry (Draft). The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape.

The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates stricter market access conditions and corresponding approval procedures for credit reporting agencies engaged in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies in collecting, storing and providing credit information, and clarifies the rights of information subjects.

The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.

The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party.

Do I need a credit card to check my personal credit? Look at the query method

Many people will need to apply for credit cards and loans, so it is necessary to check their credit reports and know their credit status before applying. However, many people are not clear about the way of credit inquiry and the information they need. For example, if someone asks if they want a credit card for credit inquiry, let's analyze it here.

Do I need a credit card to check my personal credit?

Personal credit inquiry is divided into two types: online inquiry and on-site inquiry, with different inquiry methods and required information:

1, on-site inquiry:

You can check at local central bank outlets or designated commercial bank outlets, where you can check credit information. In addition to your own inquiry, you can also have someone else to inquire on your behalf, and the information you need is different.

If it's my inquiry, I need to provide the original valid ID card and a copy of 1, and fill in the personal credit report application form. Others need to provide the original valid identity documents of the principal and agent, notarized authorization certificate, and fill in the credit inquiry application form.

2. Online inquiry:

That is, you can check in official website, the Credit Information Center of the People's Bank of China. This kind of inquiry can only be done by yourself, and no information is needed. However, before submitting the inquiry application, you must register your account and verify your identity. Authentication methods should be selected when inquiring, including digital certificate verification, bank card verification, mobile financial IC card verification and problem verification.

If you choose a bank card for verification, you can choose an existing credit card, which will automatically jump to the online banking page and enter the relevant information of the credit card, including name, certificate type, certificate number and mobile phone number for verification.

It can be seen that the inquiry of personal credit does not necessarily require a credit card, depending on the selected inquiry method. Need to be reminded that the on-site inquiry is a detailed version of the credit report, and the results can be printed on the same day; Online inquiry is a simplified version of credit information, which can't produce results in real time. Generally, you will receive SMS notification the next day, and then log on to the website to get the results before you can view them.

If I have not applied for a credit card, how can I check my credit?

Personal credit report can be inquired in the following four ways: counter inquiry, self-service inquiry, online banking inquiry of commercial banks and internet inquiry. , counter inquiries \ Need to bring: the original and photocopy of my valid ID card; Personal credit report inquiry application form. \ Counter inquiry is limited to my inquiry. Valid documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. Self-service inquiry \ Self-service inquiry requires a second-generation ID card. \ The self-service inquiry of personal credit report business is limited to me, and each version can only be inquired once a day. \ The self-service inquiry machine can only recognize the second-generation ID card. You can use other valid identity documents to check at the counter. , commercial bank online banking inquiry \ holders of Bank of Beijing online banking U shield can log in to Bank of Beijing online banking to apply for personal credit report inquiry. Internet inquiry \ Log on to the personal credit report inquiry website, and after registration and activation, you can inquire about the credit report.

How can I check the credit introduction without a credit card? Let's stop here.