Personal credit inquiry is free of charge. Generally, every citizen of China will have the opportunity to inquire about the credit report twice a year for free, and credit management fees will be levied if he inquires more than twice. In general, if an individual inquires about the credit report for more than two times, he will be charged according to the number of times from the third inquiry in that year and from the third inquiry, and the service fee will be 10 yuan each time. It is still free to check personal credit through the internet. Therefore, if the number of inquiries is no more than 2 times a year or through the Internet, there is no need to pay, and the charging standard for each inquiry is 25 yuan.

You can also inquire through these three free ways. First, you can go to the local people's bank branch to inquire. The second is to log in to official website, the Credit Information Center of the People's Bank of China; Third, make inquiries in commercial banks authorized by the People's Bank of China. Under normal circumstances, it will not bring any influence to individuals to inquire about their own credit reports, and there is no restriction on individuals to inquire about their own credit reports. However, if you apply for online loans or bank loans to inquire about credit information, if the number of inquiries is too many, it will bring adverse effects.

The bank's credit report will not affect the personal credit report, but it will have a certain impact on the user's loan application.

In the case of less bank car loan reports, it will not cause adverse effects; However, in the case of frequent credit investigation, when users apply for loans again, loan financial institutions will think that users need money very much, and frequent credit investigation records will make lending institutions think that users do not have good repayment ability and there is a high risk of default.

Secondly, many banks have strict regulations on the number of inquiries about credit information. Some banks stipulate that the number of inquiries can't exceed five times a month, and some are even stricter. Therefore, if it is not necessary, try to reduce the number of credit inquiries of lending institutions, and every credit inquiry will be recorded in the credit report.

For third-party organizations to inquire about personal credit report, each inquiry will record the reason and time of inquiry. If these inquiries are related to loans, it will affect the approval of bank loans when applying for bank loans.