There are three ways to query credit information:
Bring your ID card to the local central bank credit information center for on-site inquiry;
Inquire through some bank ATMs or websites;
Log on to the website of the central bank's credit information center, register and submit an inquiry application.
Credit record printing:
It is necessary to take the original and photocopy of the ID card to the Credit Information Center of the People's Bank of China for inquiry and printing, and some banks in Beijing have also launched self-service credit information report inquiry machines;
In addition, according to the current regulations, it is free for individuals to inquire about personal credit reports twice a year, and a service fee will be charged for the third time and above, 25 yuan.
Contents recorded in the credit report:
Personal credit report mainly records the overdue records of loans, credit cards or quasi-credit cards overdrawn for more than 60 days in the last five years;
Personal credit records, public information, and summaries of inquiry records of credit reports in recent two years. The inquired records generally show the reasons, methods and times of inquiry of the institution, as well as credit records, public records and inquired records.
I have never applied for a bank card, and I have never borrowed money. Can I apply for a credit card? As long as I meet the requirements for doing this, I can apply.
The basic conditions for applying for a CCB credit card are: at least 18 to 70 years old, with full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit. This requirement is not high. If you work in a regular unit, the unit must pay five insurances and one gold continuously, and your personal credit record is good, so it is possible to apply for a credit card.
You can apply directly online at CCB official website. If you have CCB's online silver shield, you can choose to verify it when you apply, and you don't need to go to the outlets to sign it in the future. If the new customers who have not verified the online banking shield must face-to-face, the bank will send a text message to let you go to the nearest CCB outlet for face-to-face interview after passing the preliminary examination. When signing face-to-face, you only need to provide the original ID card without other materials. In addition, mobile banking and WX (China Construction Bank) can also apply for credit cards.
If you can submit some financial proof and hope to get a higher quota, it is recommended to prepare your ID card and financial proof and apply at a nearby CCB outlet. Pay attention to SMS after application, and the bank will send you SMS after the progress and results of the audit.
Without a credit card, will the bank have a credit information system? The credit record is in the People's Bank of China. You can check it yourself, free of charge.
I haven't done a credit card, but I have done a loan or a guarantee in the bank, and there will be records. As long as the credit is good, there is nothing to be afraid of.
Can Ping An Bank issue a cancellation certificate? If you cancel the bank credit card by calling the customer service phone of the bank credit card center, you can't issue a cancellation certificate. If it is handled through the counter of a bank branch, a credit card cancellation certificate will be issued to you.
I've never had a credit card. If you want to get a 300,000 credit card, can you have an equivalent mortgage, garage or something, or a good job in a big unit, or know the president or something, and the relationship is very hard?
Can I get a credit card at the bank with a driver's license? I can't just have a driver's license.
At least three things are needed: ID card, work permit and income certificate.
Can I apply for two or three credit cards at the same time? If you haven't done it before, you can apply for more than one at the same time, but it depends on the decision of the bank auditor. If you have any questions, please ask. If you are satisfied, please adopt it. Good luck!
Whether a credit card can apply to a local bank for a CMB credit card mainly depends on my 18-60 years old (foreigner 25-60 years old), certain economic ability and good credit record. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. If you meet the requirements for applying for CMB credit card, you can try to apply for CMB credit card in the following ways: 1, online application: Please open our credit card official website, select the horizontal menu "Apply for Credit Card"-"Apply for New Customer", select your favorite card type, and follow the prompts; 2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat, and click "I want to apply for a card". 4. Call our credit card customer service hotline, select "3#" in the voice for credit card application consultation, then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application. Please refer to the actual audit of our credit card application results.
Can I skip the credit card for my Ipad account? Find a free app download, and then create an account, you can choose no credit card.
Can I get a credit card only if I have an ID card to go to the bank? You'd better have a work certificate and find someone to pack it. Now online application is relatively simple, just provide the landline number of the work unit.