First read the news "Credit card overdraft is 60 cents, and arrears are nearly 10,000 yuan after 6 years". Members can use the credit report to check whether they have idle credit cards that need to be dealt with. (Advertisement break - Selected topics from Yifen.com, click here)

With the improvement of the national credit system, the value of credit records has become increasingly important. Recently, the first personal credit score in China, Alipay Zhima Credit Score, was launched. Just log in to Alipay wallet version 8.5 and open the "Wealth" column to see the option of Zhima Credit Score.

Many people are also concerned about whether they have any credit stains. Here, the editor of Yifen.com will teach you how to check your credit record at the Credit Reference Center of the People's Bank of China, the most official place.

Note: When major banks approve credit cards, they all check here! In addition, if you buy a house by yourself, you will also need to obtain a personal credit report.

Tip: Some provinces have not opened credit inquiry

Step 1: Click Register to open the Internet personal credit information service platform - click Register in the upper right corner

Fill in the personal information Information

Register your login name and password and take a notebook to record them.

Step 2: Identity verification, it is recommended to choose question verification or bank card verification (bank card verification is recommended, convenient and fast)

Tip: If you answer the above question verification question incorrectly, then Need to apply again.

Step 3: Choose to generate a personal credit report

Step 4: Within 24 hours, the Credit Reference Center will send an identity verification code text message to your mobile phone. Log in again after sending the text message and enter the identity verification code below to view your personal credit report.

Credit report presentation: