Generally speaking, ICBC's credit report is a credit report. ICBC's personal credit report is important information for the People's Bank of China to handle credit cards, loans and other related businesses. In addition, you can also make inquiries through online banking, mobile banking, intelligent teller machines or designated inquiry places. For details, please consult the customer service phone number of the Credit Information Center.

How to read personal credit report?

Users can query personal credit reports. If they want to know a person's credit status, they need to see whether there are records of overdue repayment in their credit report. If there is, it means that the other party has a poor reputation; if not, it means that the other party has a good reputation.

It is worth noting that although the loan record is normal, it usually does not have much impact on the user's credit, but if the user's credit record is too much, the user's credit will become "showy", thus affecting his future loans.

Because banks (lending institutions and platforms) will certainly investigate users' credit after receiving their applications, if they find that the other party's credit records have been "spent", banks will worry that the lender's economic situation is unstable and the repayment ability is insufficient, and will not agree to the other party's loan. If the debt ratio in personal credit records is too high, it will also affect future loan applications.