I want to know "how much money is owed in the credit list", mainly through the credit record module on the personal credit report. This part includes all credit records such as credit cards and loans in the name of the individual, including specific credit accounts, credit limits, current balance, overdue status, etc. Next, I'll give you a detailed explanation.

1. How much does the credit list owe? 1. The short version of the credit report describes the details of every overdue or never overdue credit card account and loan account through 1, 2 and 3, such as the credit card issued by China Merchants Bank 202 1+ 10. By March 2022, the credit line was 27,000 yuan and the balance was 6,500 yuan. Then, 27000- 18500=8500 means that you owe 8500, and then you can know how much money you owe by adding up the debts of each account. 2. The detailed credit information list of the credit report is more detailed and tabular, including not only the credit limit of each account, but also the currently used credit limit, repayment due this month, actual repayment this month, latest repayment date, current overdue period and current overdue amount. Compared with the short version of the credit report, the detailed version does not need to calculate the used amount by itself, but only needs to find the column of "overdue amount" or "repayment this month" and add them up to calculate how much money is owed. 2. For the inquiry method of credit report 1, directly log in to the Credit Information Center of the People's Bank of China for inquiry; 2. Go to the commercial banks piloted by the People's Bank of China for inquiry and printing, such as Industrial and Commercial Bank, China Construction Bank and China Merchants Bank; 3. Log in to the online banking or mobile banking of commercial banks for inquiry. In addition to the four major commercial banks, China Merchants Bank, Shanghai Pudong Development Bank, China Guangfa Bank and China Everbright Bank can all make inquiries. The above is about "how to check the amount owed in the credit list", I hope it can help you.

Second, what do you think of the credit report?

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank.

Classified editing

First, personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ;

Second, credit transaction information, including credit information such as credit card information and loan information;

The third is other information, such as personal provident fund and pension information.

2 detail editing

In order to make people understand the personal credit report, experts from Chengdu Branch of China People's Bank stressed yesterday that the key is to understand several symbols. To this end, we take this part of the housing mortgage loan information in Zhang's personal credit report as an example to make an interpretation for readers.

In personal credit reports, there are usually the following symbols:

/-indicates that no account has been opened;

—— It means that there is no repayment history this month, and the data with repayment period longer than this month are marked with this symbol, with irregular repayment frequency and no repayment behavior this month. This symbol is also used to indicate that there is no repayment in the month of opening an account.

N-normal (indicating that the borrower has repaid the current month's money in full and on time);

1- 1 ~ 30 days overdue;

2 —— It means that it is 3 1 ~ 60 days overdue;

3 —— 6 1 ~ 90 days overdue;

4 —— 9 1 ~ 120 days overdue;

5 —— means overdue 12 1 ~ 150 days;

6 —— means overdue 15 1 ~ 180 days;

7 —— It means that the overdue is more than 180 days;

D—— repayment by the guarantor (indicating that the borrower's loan has been repaid by the guarantor, including timely repayment by the guarantor and partial repayment by the guarantor);

Z—— Paying off debts with assets (means that the borrower repaid the loan by paying off debts with assets. Only refers to the part that pays off debts with assets);

C- settlement (the borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, settlement on behalf of guarantor, etc. );

G-termination (any other form of account termination except settlement).

Personal credit stains in the personal credit information system will only be retained for 5 years.

The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.

Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.

In the past, some people complained that they couldn't understand the personal credit report, because it was full of tables and numerical codes, and what each number meant had to refer to the notes to understand it. Now, the new version of the report has changed the presentation method based on tables and used more words to describe it. At a glance, the public will know which cards are overdue and which repayments are normal. At the same time, the new report also reserved an exhibition area for information such as asset disposal and guarantor's compensation.

In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.

4 What behavior is easy to become a credit stain editor

What behaviors are likely to lead to personal credit stains? In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records. [ 1]

3. How to treat the summary of credit transaction default information?

First of all, it depends on what kind of credit transactions are breached, the number and amount of defaults, and then it depends on the details of credit transactions, which bank the default information belongs to, the specific time and amount of default, and the number of default periods.

4. How to treat the credit transaction information list of the credit report?

Credit report mainly depends on your repayment record, credit card and loan application record. Mainly check whether you have bad record information. Generally, in personal credit reports, bad information will be put in red boxes or expressed in red letters, which is very eye-catching.

If you want to view your own credit details, you can choose to view the repayment records of X years and X months in the transaction information details, and enter the records to view all information.