1. How to check bad credit record?

Users can check personal credit reports through mobile banking, or directly log in to the People's Bank of China Credit Center through a computer to check personal credit reports online. If the number of overdue records is greater than or equal to one, or there are words such as compensation, then these records are considered bad records. If there is no such record in the credit report, there will not be much problem with the user's credit report.

As for the records of administrative penalties, these records are quite special. Since these records will not be deleted, whether the user can successfully handle credit business in the future will be subject to the review results.

2. Where to check personal bad behavior records

The way to check personal credit records is that when applying for a credit card or loan from a bank, the bank will query the basic database of personal credit information and Submit the report to an individual for review; or submit an inquiry request to the local credit management department of the People's Bank of China. The behaviors most likely to leave bad records in the banking system are: 1. Late repayments on credit cards three times in a row and a total of six times; 2. Overdue or non-payment of monthly mortgage payments for a total of 2 to 3 months; 3. Car loans Monthly payments are overdue or non-repayable for 2 to 3 months in total; 4. Vicious cash-out behavior on personal credit cards, as well as malicious overdraft behavior; 5. Non-repayment of student loans; 6. Failure to activate “sleep credit card” The annual fee is not paid, resulting in a negative credit record; 7. When providing a guarantee for a third party, the third party fails to repay the loan on time; 8. Economic judgments such as debt arrears; 9. The identity card or copy of the identity card is used fraudulently by others. Credit card debt record. Legal Basis Article 11 of the "Interim Measures for the Administration of Personal Loans" Personal loan applications should meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; ( 2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record; 6) Other conditions required by the lender. Article 12 The lender shall require the borrower to submit a personal loan application in writing and require the borrower to provide relevant information that can prove that the borrower meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall perform due diligence duties, investigate and verify the authenticity, accuracy and completeness of the content of the personal loan application and related circumstances, and form an investigation and evaluation opinion. Article 4 of the "Regulations on the Administration of the Credit Reporting Industry" The People's Bank of China (hereinafter referred to as the Credit Reporting Industry Supervision and Administration Department of the State Council) and its dispatched agencies shall supervise and manage the credit reporting industry in accordance with the law. Local people's governments at or above the county level and relevant departments of the State Council shall promote the construction of social credit systems in their respective regions and industries in accordance with the law, cultivate the credit reporting market, and promote the development of the credit reporting industry.

3. How to check whether you have a bad credit record

1. Log on to the official website of the People's Bank of China and check the nearest business office of the People's Bank of China. To check your credit history, you have to go to the bank's business office in person. But be aware of bank opening hours.

2. You can also call the official customer service to check the business office address, or search on the mountain map. Just enter your place name and bank name.

3. Fill in the personal credit report inquiry form. When you arrive at the bank, truthfully explain your situation. At this time, the staff will ask you to fill in a personal credit report form.

4. Under normal circumstances, you need to wait for about a quarter of an hour for your credit report to come out. This way you can see your credit report.

First: You must bring the necessary documents, such as ID card.

Second: According to the current official statement, there is no charge for checking credit records.

4. How to check whether you have a bad credit record?

There are currently two ways to query his personal credit and online loan records.

1. Central Bank Credit Report. You need to bring your identity document to the local central bank branch to check. The credit report will show the credit report, loan amount, loan period, negative information and other data.

2. After checking the credit report, you need to check the page, search: Youxun check. Click Query and enter information to query your own credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Your own personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit limit and other important data information.

Extended information:

The reasons for personal credit damage are as follows:

1. Credit card repayments are overdue three times in a row and six times in total

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2. The cumulative monthly mortgage payment is 2 to 3 months overdue or non-payment

3. The cumulative monthly car loan payment is 2 to

4. The loan interest rate is increased. Still overdue

5. Failure to pay water, electricity and gas bills on time

6. Behavior.