Hello, at present, the national unified personal credit information basic database organized by the People's Bank of China for commercial banks has been officially put into operation, and your relevant credit information has been entered into the database and become a part of your credit record. Please bring your valid ID card to the credit reporting department of the local branch of the People's Bank of China to check your personal credit report (you can't check it on your behalf or by phone). For more credit information, please visit www.pbc.gov.cn, the website of the People's Bank of China.

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. We won't make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.