Consolidated credit account means that a bank has several credit cards, but only one and two accounts will be seen in the credit report of the central bank, namely RMB and foreign currency. For example, Ping An Bank has many credit cards, but there are only two accounts in the credit report, RMB and USD.

However, some banks have non-consolidated accounts. Every time China Bank adds a single-currency credit card, there will be one more account on the credit report. If it is a dual-currency credit card, there will be two more accounts on the credit report.

What banks have consolidated and non-consolidated credit accounts?

China Merchants Bank, Shanghai Pudong Development Bank, Minsheng Bank (consolidated by currency), Huaxia Bank, Ping An Bank, Bank of Beijing and Bank of Shanghai belong to consolidated banks. China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China CITIC Bank, China Guangfa Bank, Industrial Bank, Postal Savings Bank, China Everbright Bank, Standard Chartered Bank, Citibank, HSBC and Bank of Communications are non-consolidated banks.

Note: When handling the credit card of consolidated account, remember to ask about the annual fee, and be sure to repay it in time.