1, go directly to the bank branch counter: just bring your ID card;

2. Log in to official website directly and check with the central bank: Because in the credit report, all credit cards applied by users will be recorded, and the overdue repayment of credit cards will also be recorded.

If the user has a credit card, open the personal credit report, and all relevant details of the credit card can be seen in the bank credit transaction information, including the issuer, the number of credit card accounts, the credit card amount, the account opening time, the activation status and so on.

How do I find out which bank I have a credit card with?

Hello, we can inquire in the following ways.

1. 1. Online inquiry: After opening the network of the Credit Information Center of the People's Bank of China, pay attention to opening it with IE browser. If you don't know the Baidu of the website, please pay attention to the "official website" certification. When logging in, please note that the login name here is your previous registration. If you are logging in for the first time, please register your account. After the question verification or certificate verification passes, the activation code will be sent to your mobile phone. Enter the activation code according to the mobile phone information prompt.

Operating environment: Lenovo Savior r7000360 browser: 7.7.8.

2. After successful login, you will be prompted with the information of successful login. For example, you can provide query information, operation guide, account number, password modification and other operations-click the credit information prompt in the information service and select: get credit report. "Of course, you can also click on the summary information below to query. It is suggested that you can directly inquire about the credit report. When inquiring personal credit in more detail, you need to use the inquiry code, which is randomly sent to you after the system platform has passed the examination. You can use it when you register (if you forget it, you can't query it, it will be invalid for 7 days, and you can apply for registration next time).

3. After clicking the query report, there will generally be your current credit card records, loan records and other public service records, such as mobile phone arrears, mobile phone violations, etc. If you want to save and download this person's credit report, you can click on the PDF download below, enter the verification code, and submit the downloaded PDF personal credit report for on-site inquiry: more than 2,000 inquiry points across the country provide counters or self-service terminals for inquiry, which can be obtained immediately. You need to bring the original and copy of your valid ID card.

1. What is a credit card? As follows, credit card is a kind of bank card, which is called credit card in the industry. It has the function of overdraft consumption and enjoys a certain interest-free period. To put it bluntly, credit card is a simple loan service provided by banks to customers. Customers can overdraw by credit card before repayment. Credit card limit: the overdraft limit approved by the bank according to the financial resources, identity and credit of the credit card applicant. Cardholders can freely overdraw within this limit.

2. The difference between credit card and debit card is as follows. The biggest difference between credit card and debit card is that it can be overdrawn within a certain range, while debit card can only be used after deposit.

What is the validity period of credit, as follows: Credit cards have a certain period. After the expiration, the bank will review it again and get a new card for the customer. The validity period of credit cards is also different, depending on the type of bank and card, usually 3 to 5 years. The validity period is printed on the front of the card in the form of month/year.

How to check whether I have applied for a credit card?

Computer version number: Windows 10 Professional Edition

Browser version number: Chromium86.0.4240. 198

You can go to China People's Credit Information Center to check the personal credit information report and see if there is any credit information record of your personal credit card.

Specific query steps are as follows:

1, Baidu web search "Credit Center", find the official website option, and then click Enter.

2. After entering, find the Internet personal credit service platform, and then click Enter.

3. After entering, find "Start Now" and click Enter.

4. After entering the login interface, enter the user name, password and verification code, and click Login.

5. After logging in successfully, enter the personal account page, check the credit report under the credit application column, and click to get the dynamic password.

6. Enter the mobile phone dynamic password and click Submit.

7. After receiving the identity verification code, on the page of obtaining credit information, check the personal credit report, enter the identity verification code, and click Submit.

8. You can check the personal credit report after submission.

Other query methods:

1, query point query

If an individual inquires about a credit report at the inquiry point, he/she shall provide the original of his/her valid identity document for inspection, fill in the Application Form for Inquiring about Personal Credit Report, and keep a copy of his/her valid identity document for future reference.

Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), 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.

2. Check the credit report by phone or online.

From March 20 13, the Credit Information Center of the People's Bank of China launched a pilot project to inquire about my credit report service through the Internet, which was promoted nationwide at the end of September 20 14. For details, please visit the personal credit report inquiry website. Anyone with an ID card can log on to the personal credit report inquiry website and inquire about my credit report online.

3. Check the credit reports of family members or friends.

Without the authorization of others, individuals have no right to inquire about others' credit reports. However, if authorized by others, the original valid identity documents and notarized authorization certificate of the principal and agent shall be provided for inspection, and the Application Form for Inquiry of Personal Credit Report shall be filled in at the same time, and copies of valid identity documents and notarized authorization certificate of the principal and agent shall be kept for future reference.

How to inquire whether a person has a credit card can be inquired through different channels.

Credit cards are usually used by many people, which is convenient for users to spend, but they must be repaid on time after use. So how do you usually check whether a person has applied for a credit card? Through what channels will you inquire? Let's give you a detailed introduction and know what to pay attention to when using credit cards every day.

If you want to know whether you have applied for a credit card, you can go directly to the local bank counter or directly log in to the Credit Information Center of the People's Bank of official website and China. In the credit investigation, all credit cards applied by users are recorded, and the record of overdue repayment of credit cards will also be recorded.

Credit cards can be applied through different channels in peacetime, such as bank counters and bank official website; You can get a credit card faster if you apply in official website. However, materials that meet the requirements of the bank should be submitted when applying, and personal credit information should also be guaranteed when applying. Banks with poor credit information will directly refuse.

Users can activate the credit card after they get it, but they should use it step by step. You can't brush up the limit at one time, otherwise it will be recognized as cash by the bank. It is quite unfavorable for the subsequent use of credit cards, and the new card should be consumed step by step.

Credit card repayment must not be overdue, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated. Moreover, the overdue repayment of credit cards will affect personal credit information, which will affect the handling of various loans after the credit information becomes worse. It should be noted that after the overdue arrears are returned, the record will be kept in the credit information for 5 years.

If the credit card can't repay on time, then the cardholder can use installment repayment or minimum repayment amount to avoid overdue repayment. When using installment repayment, users can choose the number of installments according to their own income, which can ensure timely repayment in the later period, but using installment repayment requires a certain handling fee.

How to check whether I have applied for a credit card with my ID card?

You can go to the corresponding bank business hall with your bank card ID card, and there are several other ways to inquire:

1. You can see all the credit cards and card issuers in your name by querying credit or printing credit records.

2. Call the customer service to provide identity information, and the customer service of the bank will tell you the number of bank cards in your name.

3. Download mobile banking, and you can inquire after logging in.

Because it belongs to personal privacy information, although it can be inquired through bank customer service, it is strongly recommended that you make a copy of your usual card in case of emergency. It is recommended to store the backup in a safe place, or a place that is easy to find but can be encrypted when necessary. Although personal information is needed for inquiry, it is necessary to prevent personal information from being leaked. In short, protect personal information when using credit cards.

credit card

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Is your card a credit card?

1. Credit cards are those with clear words "credit card" and "debit card" on their faces.

2. There is a laser anti-counterfeiting mark on the front of the credit card, but there is no debit card (except for individual bank debit cards).

3. Credit card must have an expiration date.

4. The words "debit card", "savings card", "ATM card", "Maestro" and "Cirrus" are clearly marked as debit cards on the card face.

5. Credit cards are embossed. Debit cards are printed in print and relief.

6. On the front of the credit card, there is the Chinese pinyin of the cardholder's name, and some have the gender of "Mr" and "Ms". Debit cards may not be available.

7. Generally, you don't need to enter a password (except for Shenfa Credit Card, CITIC Industrial Credit Card and some credit cards of CCB), just enter 6 or 4 digits on the password key to confirm.

8. Credit cards have an expiration date.

9. There is a CVV code for online payment on the back of the credit card.

How to check whether your ID card has been fraudulently used as a credit card?

Specific query method: 1. On-the-spot inquiry: Bring my valid ID card (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, foreigner's residence permit, etc. ) go to the branch of the People's Bank of China for enquiry; 2. Self-service terminal inquiry: put my ID card into the identification area of the self-service inquiry machine and check the scene head portrait. After the information comparison is successful, the system will automatically print the personal credit report; 3. Online inquiry: The Credit Information Center of the People's Bank of China has opened a nationwide service to inquire about my credit report through the Internet.

Product category:

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

How to inquire about the introduction of credit cards? Let's stop here.