Many conditions for applying for credit cards mention personal credit. I don’t know what personal credit means? What is it used for? The information I provide you below, I hope it can help you.

The meaning of personal credit

Personal credit is a standard that comprehensively reflects a person’s credit status.

Personal credit report, that is, personal credit certificate, is a file that comprehensively and objectively records your credit activities and reflects your credit status. Including your basic information, loan information, credit card information, and credit report inquiry records, etc.

You can check it at the branches of the People's Bank of China in various places. If you have a credit relationship with a financial institution, authorized financial institutions can also check your personal credit report.

If the personal credit status is not good, it will affect a person's future credit card applications, loans and other matters. Therefore, we hope that cardholders will cherish their credit status.

The role of personal credit

Credit certificate is a powerful and objective proof of our personal financial strength, credit status, and financial transactions.

Having sufficient funds can largely prove the authenticity of our intention to travel and study abroad. When you submit your visa materials, if there is a credit certificate issued by ICBC that proves that you have enough ability to pay for travel expenses or study abroad expenses, it already means that your visa application is more than half successful!

How to apply for personal credit certificate

As long as you log in to ICBC's personal online banking, you can open a credit certificate business by yourself under the "My Account-Credit Certificate" column. After the issuance is completed, you can go to any branch. After printing the credit certificate, you can also make an appointment through the online banking branch.

Advantages of personal credit processing

1. The credit certificate issued by ICBC is bilingual in Chinese and English, which is very convenient for friends applying for visas!

2 . The number of certification details recorded in each credit certificate is up to 10; the maximum number of reissued copies of each credit certificate is up to 50, which is enough for whatever you want to do abroad!

3. Personal You can issue a certificate through online banking. You don’t have to run on a hot day, and you will feel better immediately!

3. You can print it at any branch. Wherever you go and meet an ICBC branch, you can get the certificate in minutes!

4. If you make an online appointment to print at a designated outlet on a specified date and time, you can enjoy priority queuing service!

5. Our bank has six stars or above*** including*** Free for customers!!!