paying off the debt within three days after the repayment date is regarded as timely repayment, and if it exceeds three days, it will be overdue. Overdue credit cards will be recorded in the central bank's credit information database, and bad credit records can be found in personal credit information reports.
personal credit information is recorded in the personal credit report, which mainly includes personal basic information, credit information (whether there are bank loans, overdue records, credit card overdraft records, etc.) and non-bank information (payment information of utilities such as water, electricity and gas, tax arrears, civil judgments, etc.).
This information will affect individuals' lending behavior in financial institutions. For example, when handling personal mortgage, banks need to read the credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even fail to obtain loans. It can be said that the personal credit report is a personal economic identity card.
Online inquiry of personal credit report
Provincial pilot. Since March 27th, 213, the personal credit information service platform of the central bank's credit information center has been tested and tried for the public in Jiangsu, Sichuan and Chongqing provinces. Subsequently, since October 28, 213, the pilot program has been expanded to 9 provinces, adding 6 pilot provinces including Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong.
There is no charge for the time being. As the online credit report inquiry is only piloted in some areas, there is no charge for the time being, and it does not occupy two free "places".
On-site inquiry of personal credit report
On-site inquiry process: an individual carries the original and one copy of his/her valid ID card, fills in the Application Form for Personal Credit Report Inquiry at the inquiry outlets, and submits an inquiry application. For those individuals who have inquired more than three times in the current year, the staff will inform them that they need to pay the inquiry service fee, and the individual will decide whether to pay the inquiry voluntarily. The fee is paid in cash at the beginning, and will be gradually increased according to the needs in the future.
On-site inquiry charging standard: On May 28th, 214, the central bank announced that the Credit Information Center of the People's Bank of China will start charging individuals for inquiring their own credit reports from June 3rd. Specifically, if an individual inquires more than twice a year, the service fee is 25 yuan each time, and the first two times a year are free. The number of personal inquiries in 214 is calculated from June 3, 214, and the number of inquiries every year after 215 is calculated from January 1 of that year.