How to check all the credit cards in your name
The method to check all the credit cards in your name is as follows:
Method 1: Online query. The user finds and enters the personal credit information service platform of the People's Bank of China and clicks the "Start Now" button. If you already have an account, just log in; if you don't have an account yet, you need to register first and then log in. After logging in, the user first clicks "Credit Services" and then clicks "Get Credit Information". After successfully obtaining the information, the user will be able to know the number of his credit card accounts.
Operating environment:
Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition
System version: Windows11
Browser: Google Chrome browser
Browser version: 87.0.4280.88
Method 2: Offline query. Users can bring their ID cards to local offline branches of the People's Bank of China to print their credit reports. The personal credit report contains the number of credit cards owned by citizens, and cardholders can check their credit card status by checking their personal credit report.
1. How to apply for a credit card
To apply for a credit card, you can apply through the following methods:
1. Bring your ID card and credit certificate to the bank counter to apply. .
2. Through online banking, you can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The review progress and results will be displayed on the online banking.
3. Call the bank’s customer service number, and individuals can operate according to the voice prompts.
Operating environment:
Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition
System version: Windows11
Browser: Google Chrome browser
Browser version: 87.0.4280.88
2. How to unlock a locked credit card?
There are different solutions depending on the reasons for being locked:
1. If a credit card is locked due to overdue payment, the cardholder should pay back the overdue amount as soon as possible. After paying off the overdue amount, the cardholder can call the credit card center of the card issuer, and the bank will generally unlock the card;
2. If the cardholder locks the card because the credit card is lost or stolen, the card holder will have to wait until the card is locked. After the matter is processed, the card-issuing bank will unlock the card, and the cardholder can also actively request to unfreeze;
3. If the bank believes that the cardholder has cashed out, the card generally cannot be unlocked, but if there is evidence It can be proved that it is not the cardholder who cashed out, but that there is a problem with the merchant's POS machine, and the credit card center may also unlock it.
3. Which bank does not look at liabilities when applying for credit cards?
Generally speaking, there are no banks that don’t look at liabilities when applying for credit cards. Debt will affect the cardholder’s ability to repay, which is what banks value most when approving cards.
When banks are approving credit cards, they will look at the applicant's credit report. If the debt is relatively high, the bank's risk will also increase, which is detrimental to the approval.
You can apply for other credit cards of the same level from the same bank. Some banks do not check credit for the second card, and the card may be approved if the debt is high.
How to check how many credit cards you have in your name
The methods to check how many credit cards you have in your name are:
1. Check the number of credit cards through the Internet: Query The user finds and enters the Personal Credit Information Service Platform of the People's Bank of China and clicks "Start Now". If the inquirer has an account, he or she only needs to log in; if the inquirer does not have an account, he or she needs to register an account first and then log in. After the inquirer logs in, he first clicks "Credit Services" and then clicks "Get Credit Information". After successfully obtaining the information, the inquirer can know the number of his or her credit card accounts (i.e., the number of credit cards).
2. Check the number of credit cards at offline business outlets: Personal credit reports include the number of credit cards owned by citizens.
Cardholders can check their credit cards by checking their personal credit. Cardholders only need to bring their ID cards to the local People's Bank of China branch to print their credit report and then check their credit card through the credit report. If a cardholder has too many credit cards, the bank will consider the cardholder's potential debt to be too high and may not be able to take on new debt. In order to reduce the risk of borrowing, banks often reject applications from borrowers with too many credit cards and will not issue new loans or credit cards to such borrowers.
How to check the credit card in your name
1. Check through customer service, website or credit report.
2. We often encounter situations where we receive a bill inexplicably or are told that our credit is damaged. At this time, we need to know whether we have a forgotten credit card. Sometimes, in order to find out your credit card information, you will also check the credit card in your name. The following are several ways to check the credit card in your name:
1) Customer service inquiry: Call the customer service hotline of the credit card center of the corresponding bank and request manual service for confirmation. The credit card customer service hotline of the credit card centers of major banks can be inquired at 114 or on the bank's official website.
Note: Customer service hotlines of each bank: Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559);
2) Website inquiry: If you don’t know which bank to inquire about, making a phone call will be time-consuming and laborious. At this time, you can use the website to query, and you can do it directly with your computer. Go to the bank's website, find "Application Progress Inquiry" and click to enter the inquiry page. Select the certificate type, enter the certificate number, and then click the "Query" button to query the results. Note that since the documents supported when applying for a credit card include passports, ID cards, etc., if you hold multiple documents, it is best to try to check multiple documents.
3) Credit report inquiry: Obtaining information through credit report is the simplest and most convenient way. Generally, I recommend friends to log in to the online credit reporting platform on the official website of the People's Bank of China to check their credit reporting. The credit report will record in detail how many credit cards you have in your name, how many credit limits they have, which banks they are in, and what their current status is. With this information, we can list all the credit cards in our name one by one and keep them for future reference.
Note: Regardless of whether you use your credit card or not, you need to pay attention to your repayment date and reconciliation date.
1. The credit card statement date refers to the card-issuing bank’s regular monthly summary and settlement of various transactions and charges that occurred in your credit card account in the current period, and interest calculation to calculate the total amount you owe in the current period. and minimum repayments, and a statement will be mailed to you. This date is your credit card statement date.
2. The repayment date refers to the last date on which the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues the bill, you should pay off all the fees you have consumed before the due payment date.
3. Each bank has different specific billing date settings. Some are based on birthdays, some are random by the system, and some are random on a fixed date. Some banks can provide semi-annual statement date modification services. Effectively modifying the billing date time will greatly help enhance the convenience of using your card.
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This is the introduction of how to check the credit card in your name.