Specific contents of personal credit information:
1. All your loan records in the name of the bank, including mortgage loans, secured loans and credit loans. Common loans include mortgage loans, commercial loans and small consumer loans. Each loan is a repayment record within 24 months, and the overdue repayment record of more than 2 years will also be reflected under each loan.
2. Credit card is credit card information:
Banks can see your average usage limit and maximum usage limit in the last six months, how many credit cards you have opened, which bank you belong to, and whether the repayment record of credit cards is overdue, so the repayment record of customers is good.
Credit cards need to be activated in person. If you don't activate them, the credit card can't be used.
Extended data:
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
Credit information
1. Personal basic information used to identify individuals and reflect their family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
References:
Personal Credit Information-Baidu Encyclopedia