There are two ways to check whether your credit card has overdue records, one is to check through the bank’s APP, and the other is to check through the credit report. There are also three inquiry methods for personal credit reporting. Next, I will explain it to you from the following points. 1. Inquiry method

(1) Bank app inquiry: You can log in through the bank's APP to check the repayment record of this bank card. If there is an overdue card, it will be marked on the mobile banking.

(2) Credit report inquiry:

There are currently three ways to inquire about credit report. The first is to go to the offline institution of the People's Bank of China (Credit Information Center), or to provide For inquiries at bank branches with credit inquiry machines, you only need to bring your ID card. The second is to register relevant information and apply online through the official website of the Credit Information Center of the People's Bank of China. On the second day of application, you can download it with the extraction code sent by your mobile phone. The third method is to inquire through the APP of commercial banks, but currently there are few banks that offer this function.

The first option is a free printable paper version and is more detailed than the other two query versions. The first query method is recommended first. 2. How to check whether there is any overdue payment

The bank will check whether there is any problem with your credit report. The main thing they look at is whether there is any overdue payment:

The credit report will clearly show whether you have been overdue. Overdue, how many periods are overdue, and how much is the overdue amount. Some lending banks will be more generous if they see that your credit card is overdue for only one or two days and the amount is only a few dozen. If it is other than overdue for a long time and If the amount is large, it will basically be on the bank's blacklist. Only after the five-year record is cleared can you hope to apply for a loan again at a banking institution.

Some people often apply online for online loans, credit cards, etc. No matter whether they are approved or not, there will be an inquiry record on their credit report, and banks also value this record, and the bank will consider it If you apply for such loans in large quantities, they will reject your loan request if they think you are short of money.

In short, setting your own repayment plan rationally, using credit cards rationally, setting reminders for timely repayment, and maintaining a good repayment record are also correct ways to maintain a good credit score.