How to check the credit worthiness of Bank of Communications credit card?

How to check the credit limit of Bank of Communications credit card:

1. Query via customer service phone. You can call the bank's 24-hour customer service hotline 400-800-9888 and follow the prompts.

2. SMS inquiry. You can use your reserved mobile phone number and edit the text message "last four digits of CC limit #" to 95559 to query the current available limit and current cash withdrawal limit of the designated card.

3. Online banking inquiry. You can log in to the Bank of Communications' online banking and select the frequently used account number to check the available limit.

4. Bill inquiry. Cardholders can check the available credit limit for the month on each credit card statement issued by the bank.

5. Mobile client query. You can download and log in to the Bank of Communications mobile client and click on the account information to check the available limit.

What should I do if my credit card loses credit? What is credit?

1. If your credit card has no credit, you can go to the bank and ask to see if you can apply to the Central Bank Credit Center to cancel it.

2. To re-establish the creditworthiness of a credit card, you need to pay off all the outstanding balances on this credit card, and then call the bank's credit card center to cancel the card.

3. Use your credit card well in the future to re-establish a good credit record.

4. Creditworthiness is the factor that affects the normal conduct of the second activity due to the degree of compliance with contracts, offers, contracts, agreements, etc. in activities such as lending, doing business, and interpersonal communication. This includes substantive aspects such as bank lending, as well as non-substantive aspects of fulfilling agreements.

How are credit card credit levels divided?

Credit card levels are divided into regular card - gold card - platinum card - diamond card.

For regular cards, the limit is generally less than 10,000; for gold cards, the limit is generally between 10,000 and 50,000; for platinum cards, individual annual income must be at least 200,000 to apply; for diamond cards, cardholders are required to have an income of more than one million. The quota is also in the millions.

1. Definition:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

2. Classification:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. Other information:

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. The original upper limit is 5/10,000 of the daily interest rate, and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , electronic payment cards with full or partial functions such as cash deposit and withdrawal_On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

How to check the credit worthiness of your credit card?

You can log in to the central bank’s personal credit reporting website

Since March 29, 2014, the scope of the pilot has been gradually expanded to all provinces (cities, autonomous regions) across the country in batches. The scope will be announced gradually.

Any individual holding an ID card from a pilot province (municipality, autonomous region) can check his or her credit report online. According to the personal credit information service platform of the Central Bank's Credit Information Center, starting from March 27, 2013, Jiangsu, Sichuan, and Chongqing became the first batch of pilot provinces that can query personal credit reports through the Internet.

Starting from October 28, 2013, residents in Beijing, Shandong, Liaoning, Hunan, Guangxi, and Guangdong can check personal credit reports online. Starting from March 29, 2014, residents of Zhejiang, Tianjin, and Xinjiang can check their personal credit reports online.

To ensure the security of personal information, individuals who check their credit reports through the Internet must undergo strict identity verification. Only authenticated individuals can register as query users. Two identity verification methods are provided: digital certificate verification and privacy question verification. Individuals can choose one of these methods for identity verification.

When choosing the privacy question verification method, if the personal identity verification fails, the individual can switch to the digital certificate method for identity verification, or go to the branch of the People's Bank of China for on-site inquiry. During the trial operation period, all query services on the platform are free, and the website provides 24/7 uninterrupted service.

Extended information:

Personal Credit Objection Handling Process

Personal Credit Information Center personnel stated that if personal information is misappropriated by others and results in a bad credit record, the party concerned should Immediately appeal to the card-issuing bank. The card-issuing bank has a set of corresponding identification procedures to delete bad credit records.

1 Go to the Credit Reference Center to check your credit report

2 Submit a copy of your valid ID and present the original, the applicant’s basic information, and describe the objections

3 The staff applies for objection and fills out the "Personal Credit Report Application Form"

4 Both parties verify that it is correct and sign for confirmation

5 Wait for a phone reply, which will take about 15 working days