How to check the overdue record of a credit card

The method of checking the overdue credit card is:

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

2. Log in to the official website of the Central Bank Credit Information Center, register and provide verification and certification information to apply for inquiry;

3. Go to some bank ATMs or websites to inquire, such as Bank of Beijing Online Banking U Shield can check personal credit report;

4. Directly log in to mobile banking and online banking for inquiry.

Operating environment:

Brand model: Lenovo yoga14s

System version: Windows 11 Professional Edition

App version: v98.0.4758.82

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

How to check credit card overdue records? This method can be quickly checked

In normal times, many people use credit cards to make purchases, but many people fail to return them on time after using them. Overdue repayment will affect personal credit score, so how to check the overdue record of credit card? The following will introduce you to the query method.

How to check credit card overdue records: Open the official website of the Credit Information Center of the People's Bank of China, click on the Internet Personal Service Platform after entering, select the option to start immediately and log in, enter the credit information interface, click on the left "Apply for credit information" and select bank card verification. After passing the application, you can view your credit card overdue record.

Never overdue your credit card when using it daily, because late repayment will not only affect your personal credit report. This is because penalty interest will be generated after overdue repayment. The longer the period, the more penalty interest will be generated, which will increase the burden of subsequent repayment. Moreover, the bank will collect the credit card after it is overdue.

In order to avoid overdue repayments when using credit cards, if users cannot repay their credit card debts on time, they can use installment repayment or the minimum repayment amount, so as to avoid overdue payments, but a certain amount of expenditure is required. There is a handling fee, and the installment repayment will occupy the credit card limit, but you can pay it back in advance when you have the money later.

Users must not spend too much when using credit cards on a daily basis. Generally, the monthly consumption limit cannot exceed 50% of the monthly income, so as to ensure that the debt is paid back on time.

In order to avoid excessive consumption, users can also set credit card consumption limits, which can also prevent individuals from using credit cards to consume too much.

Users should try not to pursue high limits when using credit cards, because too high a limit will also cause users to swipe too many cards. Generally, the credit card limit is 2 to 3 times the user’s monthly income. If the credit card limit is too high, users can apply for a reduction.

How to check whether a credit card is overdue

In addition to charging penalty interest, overdue records will also be uploaded to the People's Bank of China's credit system, which will have an impact on your daily life in the future. The following is how to check the overdue credit card, taking China Construction Bank as an example.

1. Online banking inquiry: Log in to personal online banking and in the credit card section, the system will automatically identify overdue customers and prompt the customer that the current credit card is overdue.

2. Website query: Customers can log in to the CCB Credit Card Center to query. If the credit card is overdue, there will be an article on the homepage of the website to remind customers.

3. Mobile APP query: Log in to the mobile banking APP, click on the upper right corner, select Messages - Account Manager, and check whether there is any overdue push information. You can also check the specific overdue time, overdue amount and other information in the transaction details.