How to check the credit blacklist
You can go to the bank to check the credit blacklist, or you can log in to the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China.
Method 1: Go to the bank to inquire
You need to bring your ID card to the credit reporting department of the People's Bank of China for inquiry.
Method 2: Online query
You can log in to the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China for query. Through the platform, you can check three aspects of credit records: personal credit information tips, personal credit information summary, and personal credit report.
The personal credit report records personal credit information, which mainly includes basic personal information, credit information (whether there is a bank loan, whether there is an overdue credit card overdraft record, etc.), non-bank information (water, electricity, etc.) , payment information for gas and other public utilities, tax arrears, civil judgments, etc.).
This information will affect individuals’ borrowing behavior at financial institutions. For example, when applying for a personal mortgage loan, banks need to see the credit report. If you have good credit, you may get a discount, but if you have a past due record, you may have to raise the price or even be unable to get a loan. It can be said that a personal credit report is an individual’s economic ID card.
Online inquiry of personal credit report
Provincial pilot, starting from March 27, 2013, the personal credit information service platform of the Central Bank Credit Report Center is open to Jiangsu, Sichuan and Chongqing provinces (cities) ) The public conducts verification trials. Subsequently, starting from October 28, 2013, the pilot program was expanded to 9 provinces, adding 6 more pilot provinces: Beijing, Shandong, Liaoning, Hunan, Guangxi, and Guangdong.
There is no charge for the time being. Since online credit report inquiry is only piloted in some areas, there is no charge for the time being, and it does not occupy the two free "places".
On-site inquiry of personal credit report
On-site inquiry process: Individuals bring the original and 1 copy of their valid ID and fill in the "Personal Credit Report Inquiry Application Form" at the inquiry outlet After submitting the inquiry application, if the individual has made more than 3 inquiries in the year, the staff will inform the individual that he or she needs to pay an inquiry service fee, and it is up to the individual to decide voluntarily whether to pay for inquiry. Fees will be paid in cash initially and will gradually increase as needed.
Charging standards for on-site inquiries: On May 28, 2014, the central bank announced that the Credit Reference Center of the People's Bank of China will implement a charging system for individuals to inquire about their credit reports starting from June 3; specifically, , if an individual inquires more than twice a year, a service fee of 25 yuan will be charged each time, and the first two times a year are free. The number of personal inquiries in 2014 will be calculated from June 3, 2014, and the number of inquiries each year after 2015 will be calculated from January 1 of that year.
How to check the credit card blacklist? What is the difference between personal credit report and credit card credit?
How to check the credit card blacklist? How to check personal credit report? Do having a bad personal credit record and a credit card blacklist mean the same thing? What's the difference? This is a question that many friends will ask. Here is the answer for you.
1. Inquiry of credit card blacklist and personal credit record
If cardholders want to inquire about the credit card blacklist, they can bring the ID number to be inquired to the relevant bank for inquiry. You can also check online.
Inquiries on personal credit records: First, go to the Bank of China Credit Center to place an order, and second, inquire at the online credit center
2. The relationship between personal credit and credit card credit< /p>
1. Credit card credit mainly refers to economic activities such as borrowing and repaying money, spending first and paying later;
2. Personal credit reporting refers to professional credit information services. Make it easier for everyone to borrow money, and centralize everyone's credit information through third-party institutions, making it available to you and credit institutions when needed. It is credit institutions such as banks that decide whether you can get a loan. The credit reference center only truthfully provides your credit report as one of the important references for banks and other credit institutions to decide whether to grant you a loan. Personal credit records include credit card credit records, loan credit records, and other personal credit records.
3. Credit card credit and personal credit report are in a mutually influencing relationship. When we usually use credit cards, we should use them reasonably. We should not make malicious overdrafts that lead to repayments, and we should not fail to pay them overdue. Once there are several overdue repayments, it will lead to a bad credit record (how many overdue repayments on a credit card will affect credit card and loan applications), and the personal credit record will also be bad.
3. What is the basis for whether a bank provides a loan?
1. The bank’s credit policy: that is, what type of people a bank is willing to lend to. For example, some banks are willing to issue credit cards to school students, while others are not. A bank's credit policy is determined by factors such as the bank's own management capabilities and its market positioning.
2. The borrower’s basic information: the borrower’s job nature, living situation, financial status, etc.;
3. The borrower’s credit status: the borrower’s current debt level; Have you ever had a credit history of not repaying borrowed money?
Personal credit reports are only one of the references that help banks make credit decisions, and are not the only basis (what do banks look at in personal credit reports when lending money).
We believe that a credit card blacklist means that your personal credit record is not good, and a bad personal credit record will affect your loans and other aspects. Friends, you must remember to repay your debt in time~
How to know whether you are on the credit card blacklist? How to inquire?
Once you enter the credit card blacklist, the impact on the individual will be considerable, and many bank services will be unavailable. But sometimes people don’t know whether they are on a credit card blacklist. So, how do you know if you are on a credit card blacklist? How to inquire?
1. User registration
First you need to register an account. Log in to the website
Register and fill in relevant personal information according to the prompts. Authentication will then take place. Then you need to submit a registration application.
2. User Activation
After you successfully register, you will receive a text message containing an activation code at the mobile phone number you filled in when registering. The activation code is valid for 7 days. Therefore, you need to log in to the website again within 7 days of receiving the activation code and use the activation code to activate your registered account.
3. Query credit information
After you activate your account, you can start querying. You can log in to the website to submit an inquiry application, and then your mobile phone will receive a text message containing the inquiry code. You also need to log in to the website within 7 days of receiving the inquiry code and use the inquiry code to view your credit report.
The next step is to check the credit information summary. You can log in to the website to check the information summary the day after submitting the application. Finally, there is the credit information query prompt. You can log in to the website to get the query results.
The above is a summary of the process of checking the credit card blacklist. Friends who are worried that they have entered the credit card blacklist can follow the above steps to check whether they have entered the blacklist, or to know their credit card related information in a timely manner.
This ends the introduction on how to check the credit card blacklist and how to check the credit card blacklist. Have you found the information you need?