You can know whether you have applied for a credit card by checking your personal credit report. To check your personal credit report, you can check it at the local branch of the People's Bank of China.

1. Content displayed on personal credit report

1. Basic personal information: including personal identity information, residence information, career information, etc.

2. Credit transaction information: including personal credit card, loan and guarantee information for others.

3. Objection annotation information

4. Personal statement information: My statement is the customer’s explanation of the information in my credit report. The credit reference center is not responsible for the authenticity of my statement. .

5. Inquiry records

Personal credit card information is included in the content displayed on the personal credit report. Therefore, by checking the personal credit report, you can know whether you have applied for a credit card.

2. Personal Inquiry of Credit Report

If an individual inquires about credit report at the inquiry point, he/she should provide his/her original valid identity document for verification, and at the same time fill out the "Personal Credit Report Inquiry Application Form" , and keep a copy of your valid ID for future reference.

Valid identity documents include: ID card (the second-generation ID card must be copied on both sides), military officer's ID card, soldier's ID card, passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, and foreigner's residence permit Certificate etc.

Extended information:

1. Check credit report by phone or the Internet

You cannot check by phone. Since March 2013, the Credit Information Center of the People's Bank of China has launched a pilot service for querying personal credit reports through the Internet, and implemented nationwide promotion at the end of September 2014. For details, please log in to the personal credit report query website. Any individual holding an ID card can log in to the personal credit report inquiry website and check his or her credit report online.

2. Inquiry of credit reports of family members or friends

Individuals do not have the right to inquire of other people’s credit reports without their authorization. However, if you have obtained authorization from others, you should provide the original valid identity documents of the principal and agent, and the notarized certificate of authorization for inspection. At the same time, you should fill in the "Personal Credit Report Inquiry Application Form" and leave the valid identities of the principal and agent. Copies of certificates and original notarized certificates of authorization are available for future reference.

Credit Reference Center of the People's Bank of China - Frequently Asked Questions

Credit Reference Center of the People's Bank of China - Credit Report Inquiry Process