How to check whether a credit card is overdue
There are many ways to check. There are currently two channels, one is the bank channel and the other is the credit information center channel.
1. For bank channels, you can log in to the personal account center of the official credit card website, and it will be displayed if it is overdue; or you can directly call the service hotline of the card issuer and ask the customer service to help check. This method is more accurate, because some banks Although the credit card is overdue, it has not yet been reported to the central bank for credit reporting. Timely repayment can save your credit.
2. Through the credit reporting center channel, directly enter the credit reporting center to obtain a personal credit reporting report. The credit reporting report will display the overdue records of credit cards/loans, and you can check the overdue information for each card. Time, overdue amount, etc. is also a relatively intuitive method.
Application
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. [9]
Review
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .
How to check the credit card overdue record
The credit card overdue record query is as follows:
1. If an individual wants to check the credit card overdue record, he can log in to the People's Bank of China. Register and submit an inquiry application on the website of the credit center;
2. You can call the central bank credit center in various places to inquire;
3. Bring your ID card directly to the local credit center Credit center inquiry;
4. Personal information subjects have the right to obtain their credit reports for free twice a year.
Article 17 of the "Credit Reporting Industry Management Regulations"
Information subjects may inquire about their own information from credit reporting agencies. Personal information subjects have the right to obtain their credit reports for free twice a year.
Article 18
If you inquire about personal information from a credit reporting agency, you must obtain the written consent of the information subject and agree on the purpose. However, this is excepted if the law stipulates that inquiries may be made without consent.
Credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.
Article 19
If a credit reporting agency or information provider or information user uses standard contract clauses to obtain the consent of the personal information subject, it shall make provisions in the contract that are sufficient to attract the attention of the information subject. prompts and provide clear explanations in accordance with the requirements of the information subject.
How to check credit card overdue records
How to check credit card overdue records?
Cardholders who want to know their credit history can check it by checking their personal credit report.
Three ways to check personal credit reports
1. To check on the website of the Central Bank (People's Bank of China), you need to log on to the website of the Central Bank Credit Center to register, submit an application, and check yourself credit report;
Specific query steps:
The first step is to search the Credit Reference Center of the People's Bank of China in your browser and click on the official website;
The second step is to Click on the Internet Personal Credit Information Service Platform. If you have an account, you can log in directly. If you do not have an account, register an account first and then check;
The third step, after logging in, click on Information Services and choose to apply for credit information ;
The fourth step is the verification method. You can choose this according to your own situation. Check all the credit information;
The fifth step is the final prompt "Your credit information query" The request has been submitted. Please visit the platform to obtain the results after 24 hours. If the identity verification fails, please apply again. To ensure the security of your information, the credit information you applied for will be automatically cleared after 7 days. Please obtain the query results in time. ";< /p>
The sixth step is to log in to the China Credit Information Platform the next day to obtain credit information.
2. For inquiries from central bank branches, you can inquire on-site through the credit reference centers of various central banks. You need to bring your valid identity certificate and a copy, and fill in the relevant inquiry application issued by the People's Bank of China. It usually takes 2 to 3 working days. The query results will come out. According to regulations, you can check it once a year for free;
3. For inquiries at other bank outlets, you can inquire through the ATM machines deployed by some banks, or on the bank website.
How to check the overdue record of a credit card
The method of checking the overdue credit card is:
1. Bring your valid ID card to the central bank credit center branch for on-site inquiry ;
2. Log in to the official website of the Central Bank Credit Information Center, register and provide verification and certification information to apply for inquiry;
3. Go to some bank ATMs or websites to inquire, such as Bank of Beijing Online Banking U Shield can be used to query personal credit reports;
4. Directly log in to mobile banking and online banking for query.
Operating environment:
Brand model: Lenovo yoga14s
System version: Windows 11 Professional Edition
App version: v98.0.4758.82
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.
And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.
The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.
After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.
How can I check if my credit card has any overdue records?
How to check whether a credit card has overdue records:
1. Determine whether it is overdue through bank notification.
If the repayment is overdue, the bank will notify the cardholder through SMS, app notification messages, etc. and urge the repayment.
2. Check the repayment record to determine whether the repayment date has exceeded the final repayment date. Through SMS banking credit card APP, etc., you can check your last repayment date and know whether you have any overdue repayments.
3. Check your own credit report. Go to the local branch of the People's Bank of China and apply to the staff for checking the credit report. Or log in to the Credit Information Center website, click "Internet Personal Credit Information Service Platform" - "Start Now", enter your login information to start the query.
How long does it take to eliminate overdue credit card records:
1. If the bad credit record is caused by failure to repay the loan in time or pay the annual fee, just discuss it with the bank and contact the bank proactively , have a sincere attitude, explain the reasons and take remedial measures in a timely manner. Banks will generally take the initiative to help customers eliminate bad credit records.
2. Credit card records only show the records of the past 24 months. Previous records are not easy to query. Therefore, cardholders must repay on time within the next two years and cover the bad records with new card consumption records. Consumption records can be successfully eliminated.
3. If the overdue repayment record exceeds 90 days, it will either have to be eliminated automatically after 5 years, or it will have to be eliminated manually. The central bank stipulates that everyone has the opportunity to eliminate it manually once every two years. As long as you apply to the credit reference center, the conditions will be eliminated.
How to check credit card overdue repayment records? Both channels can be used to check
There are often cardholders who forget to repay their credit card, and they don’t know when their credit report is overdue, so they apply for a bank loan, but as you can imagine, they will be rejected. In order to avoid this situation, it is recommended that you check your credit report every year to see if there are any overdue repayment records. If there are any, try to eliminate them. Let’s take a look below.
Credit card overdue repayment records are all queried on the personal credit reporting system. There are two main query channels, one is on-site query and the other is online query.
1. On-site inquiry
You need to go to the local credit reference center to inquire. You can search the location of the local credit reference center on Baidu in advance, and then bring your ID card to inquire. . This query method is relatively fast, and you can generally query the results and print the credit report directly on the same day.
2. Online query
You can check on the official website of the Central Bank Credit Information Center. You need to register an account in advance, and then follow the prompts to enter relevant information, such as ID card, name, mobile phone number, etc. to log in. Choose a submission method from bank card verification, digital certificate verification, question verification, etc. After successful verification, you will receive a verification code. Then log in to the official website of the Credit Reference Center and enter the verification code to get an electronic version of the credit report.
However, no matter which channel the inquiry is made through, the version and content of the credit report are the same. They are all personal inquiry versions and are different from the bank inquiry version.
Card holders can check the credit card transaction history and repayment status in the credit transaction information on the credit report subject. If there is an overdue record, the repayment status will be marked with a number. Generally, it is 30 days overdue. If the credit report is overdue for more than 30 days and less than 60 days, it will be reflected as a number "2", and so on.
This is the introduction of how to check the overdue credit card.