Personal credit rating refers to the credit rating of the bank when you apply for a loan from the bank. Every bank has a different rating. The People's Bank of China checks your personal credit report. If your credit is good, it means that your credit is not overdue and your debt is not big. The method of inquiring personal credit is as follows:

1. Bring your ID card to the local central bank credit information center for on-site inquiry;

2. Inquire through some bank ATMs or websites;

3. Log on to the website of the Central Bank Credit Information Center, register and submit the inquiry application.

Credit record printing:

1. You need to take the original and photocopy of your ID card to the Credit Information Center of the People's Bank of China for inquiry and printing, and some banks in Beijing have also launched self-service credit information inquiry machines;

2. In addition, according to the current regulations, it is free for individuals to inquire about personal credit reports twice a year, and the service fee will be charged for the third time and above, 25 yuan.

Contents recorded in the credit report:

1. Personal credit report mainly records overdue records of loans, credit cards or quasi-credit cards overdrawn for more than 60 days in the last five years;

2. Summary of personal credit records, public information and credit report inquiry records in recent two years. The inquired records generally show the reasons, methods and times of inquiry, as well as credit records, public records and inquired records.