The annual fee reduction for Bank of China credit cards means that credit cards that can enjoy the preferential annual fee policy do not meet the annual fee exemption conditions during the annual fee cycle. The interest reduction should be due to the fact that the cardholder has recently applied for interest reduction. If the application is approved, the bank will offset part of the interest.

Apply for personal credit report inquiry submitted through Bank of China mobile banking. After receiving the application, Bank of China will submit the application to the Credit Reference Center of the People's Bank of China. Under normal circumstances, the Credit Reference Center of the People's Bank of China will contact you on 24 The credit report will be returned within hours. The content of the report can be downloaded and viewed in mobile banking. The specific content shall be subject to what is found. If you need to print your credit report from all banks, you need to print the credit report through the People's Bank of China.

1. The results of the Bank of China credit check are usually released within one day. Personal credit information inquiry methods: 1. You can inquire at the local credit information management department of the branch of the People's Bank of China for free, or directly submit a written inquiry application to the credit information center. When applying, a valid ID must be provided for verification. 2. Check with the credit reporting department. Bring the original and copy of your personal ID card on working days, check it with the credit management department of the People's Bank of China in various places, fill in the application form, and you can collect it in 1-3 working days. 3. Search online. First register and fill in the relevant form, the system will send the inquiry number to your personal mailbox, and you can download your personal credit report by logging in to the system within 24 hours.

2. Failure to repay the loan after the repayment date is overdue, and it will be recorded in the credit report; overdue bad records will be recorded in the personal credit record. If you do not repay the loan, it will be entered. Blacklist, affecting personal credit reporting, information sharing on the Internet; handling methods and consequences of bad credit reporting; ① Ensure that debts are paid off in a timely manner and all fees are paid; ② Bad records can be automatically cleared after five years, and normal processing can be done at that time Loan business; ③ If the loan is not repaid, the bank can trace it back once after five years, and the non-recording period will be increased to five years; ④ If the circumstances are serious, it can be traced back to permanent storage; ⑤ During the period of bad credit, no train tickets or airplanes can be purchased ⑥ During the period of bad credit reporting, you are not allowed to take out loans or use credit cards; ⑦ During the period of poor credit reporting, traveling abroad is subject to certain restrictions.

3. After receiving the data reported by relevant institutions, Bank of China will generally update it within 1-2 months. The time when the Bank of China credit report is generated is related to whether the relevant institutions have reported data. It mainly depends on the reporting time of each bank. Generally, the reporting time of each bank will be different, so there is no exact time for generating the credit report.

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