Personal credit reports can be inquired by local branches of the People's Bank of China. When I go to i query, I will bring the original and copy of my valid ID card. When authorizing others to inquire, they must provide their power of attorney notarized by the notary office, and submit the original and photocopy of their valid identity documents. 1
In personal credit report, inquiry records include inquiry date, inquiry operator, inquiry reason, etc., and are also important reference items for banks. If there are too many inquiry records, it will really affect the credit evaluation and lending of financial institutions to customers. However, it should be noted that the inquiry reasons of personal credit report are divided into personal inquiry, credit card approval, loan approval, guarantee qualification examination, objection inquiry and so on. Among them, credit card approval, guarantee qualification examination and loan approval can belong to negative categories from the perspective of risk factors. Too many records of this kind of inquiry will have a bad influence. My inquiry is not included. 2
The bank considers the nature of the applicant's work and repayment ability.
1. The applicant should be 18-60 years old (25-60 years old for foreigners), have certain economic ability and have a good credit record;
2. The applicant for supplementary card is over 14 years old (inclusive), and the principal cardholder can apply for supplementary card for immediate family members (parents, spouses or children);
3. Original and photocopy of ID card;
4. Work certificate and income certificate (required to be stamped by the company).
1 data source-Guangming. com/Newspaper/20 14- 12/22/Content _ 103079 125 . htm
2 source-light. com/Newspaper/20 15- 1 1/26/Content _ 10998 1457 . htm