1, network query

Search the Credit Information Center of China People's Bank, register and log in, find the personal credit information service platform, and make inquiries according to the prompts.

2. Online banking inquiry

For example, ICBC, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Shanghai Pudong Development Bank, China Guangfa Bank, China Bohai Bank, Ping An Bank and China Everbright Bank have all opened online banking credit inquiry services.

3. Offline query

Carry my ID card with you, go to the local branch of the People's Bank of China or the pilot commercial bank, and make inquiries through the "personal credit inquiry machine".

How to judge the credit quality of credit investigation?

Mainly from the overdue situation and debt situation to judge two aspects. If the debt is too much, it may be overdue, and if it is overdue, the credit is poor.

1. There are uniform symbols on the detailed credit report. You just need to look up the number to know whether it is overdue and how long it is overdue.

For example, the symbol "1" means 1-30 days overdue, and the symbol "n" means normal repayment.

2. The simplified version of the credit report will also directly explain the personal credit situation.

For example, the credit card limit is 20000, the use limit is 20000, and the remaining limit is 0. Currently overdue, it has been overdue for 4 months in the past 5 years.

3. Whether it is a detailed credit report or a simplified credit report, the number of credit cards, loans, liabilities and repayments will be recorded in detail. And the credit quality is clear at a glance.