How can I check the credit card in my name? Does anyone know.
There are two ways to check the credit card in your name:
First, bring your ID card to the corresponding bank branch to check, or go to the local People's Bank of China branch to print the credit report for query.
2. Log in to the People's Bank of China website to query, but you must register first. After registration, log in to the account, click "Apply for Credit Information" in "Information Services", then select the information you want to query and enter your mobile phone number. After receiving the verification code, enter it to query the information.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
How to check all the credit cards in your name
In the following operations, the operating environment is Android and open any version of mobile software:
There are two ways to query
The first type: through credit inquiry (computer credit inquiry, bank credit inquiry)
The second type: through the bank's on-site branch inquiry
Computer inquiry Credit inquiry
This method is the most convenient and does not require going out, but the results need to be available the next day
Search the credit information center on the Internet - the Credit Information Center of the People's Bank of China
Click on the Internet Personal Credit Information Service Platform—Start Now
Download and Install Control—New User Registration—Login
Apply for Credit Information—Get Dynamic Code—Submit
Log in to the platform 24 hours after submitting the application, click on Credit Services and then click on Get Credit Information
You will see the number of your credit card accounts, which is the number of your credit cards.
The second method - branch inquiry
The cardholder brings the original ID card to the local People's Bank of China to print the credit report. The printed credit report can be printed immediately. The number of credit cards processed in one *** will be displayed.
How to check the credit card under your name
1. Go to the credit inquiry home page and click on the Internet Personal Credit Information Service Platform; 2. After entering, click Login and fill in your login name and password. Click to log in;
Apply for a credit card
3. Perform identity verification. Users who choose the bank card, digital certificate or mobile financial IC card verification method can obtain the verification results in real time; if they choose the question verification method, they will receive the verification results via text message 24 hours after submitting the application. If they fail the identity verification multiple times, they can switch to other verification methods. Or go to the local People's Bank of China branch to check the credit report on site;
4. Submit an inquiry application.
The platform provides three product services: personal credit information reminder, personal credit information summary and personal credit report. The personal credit information reminder prompts the registered user in one sentence whether the registered user has existed in the personal credit system for the past 5 years. Overdue records, the personal credit information summary shows registered users a summary of their personal credit status, including summary information of credit records, company records and inquiry records; the personal credit report shows registered users their Basic information on personal credit information
including detailed information on credit records, some public records and inquiry records;
Credit cards
5. Obtain Query results. After the credit information product is processed (usually on the second day after the inquiry application is successfully submitted), the platform will send a 0-door recommendation text message containing the identity verification code to the user. The user can log in to the platform within 7 days of receiving the identity verification code. Use the authentication code to view query results.
How to check the credit card in your name
1. Check 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.
Browser computer side: macbookpromos14 opens Google version 92.0.4515.131
How to check how many credit cards are in my name?
There are three ways to check the credit card in your name:
1. Telephone inquiry: You need to check the bank’s customer service number yourself, and use the customer service staff to check the credit card issued by your ID card Related information;
2. Log in to the credit reporting system: register and check your credit report and personal credit card information through your ID number;
3. Bank outlets: you can bring your identity Go to the local Credit Information Management Center of the People's Bank of China and check your personal credit card with the help of the staff. Operating environment; Apple 12iOS14 browser 12.8.7
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 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 peers 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.
That’s it for the introduction of how to check the credit card in one’s name.