How to check the credit card in your name

1. Check through customer service, website or credit report.

2. We often encounter situations where we receive a bill inexplicably or are told that our credit is damaged. At this time, we need to know whether we have a forgotten credit card. Sometimes, in order to find out your credit card information, you will also check the credit card in your name. The following are several ways to check the credit card in your name:

1) Customer service inquiry: Call the customer service hotline of the credit card center of the corresponding bank and request manual service for confirmation. The credit card customer service hotline of the credit card centers of major banks can be inquired at 114 or on the bank's official website.

Note: Customer service hotlines of each bank: Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559);

< p>2) Website inquiry: If you don’t know which bank to inquire about, making a phone call will be time-consuming and laborious. At this time, you can use the website to query, and you can do it directly with your computer. Go to the bank's website, find "Application Progress Inquiry" and click to enter the inquiry page. Select the certificate type, enter the certificate number, and then click the "Query" button to query the results. Note that since the documents supported when applying for a credit card include passports, ID cards, etc., if you hold multiple documents, it is best to try to check multiple documents.

3) Credit report inquiry: Obtaining information through credit report is the simplest and most convenient way. Generally, I recommend friends to log in to the online credit reporting platform on the official website of the People's Bank of China to check their credit reporting. The credit report will record in detail how many credit cards you have in your name, how many credit limits they have, which banks they are in, and what their current status is. With this information, we can list all the credit cards in our name one by one and keep them for future reference.

Note: Regardless of whether you use your credit card or not, you need to pay attention to your repayment date and reconciliation date.

1. The credit card statement date refers to the card-issuing bank’s regular monthly summary and settlement of various transactions and charges that occurred in your credit card account in the current period, and interest calculation to calculate the total amount you owe in the current period. and minimum repayments, and a statement will be mailed to you. This date is your credit card statement date.

2. The repayment date refers to the last date on which the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues the bill, you should pay off all the fees you have consumed before the due payment date.

3. Each bank has different specific billing date settings. Some are based on birthdays, some are random by the system, and some are random on a fixed date. Some banks can provide semi-annual statement date modification services. Effectively modifying the billing date time will greatly help enhance the convenience of using your card.

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How to check how many credit cards you have in your name

Check how many credit cards you have in your name The methods are:

1. Check the number of credit cards through the Internet: The inquirer finds and enters the Personal Credit Information Service Platform of the People's Bank of China and clicks "Start Now". If the inquirer has an account, he or she only needs to log in; if the inquirer does not have an account, he or she needs to register an account first and then log in. After the inquirer logs in, he first clicks "Credit Services" and then clicks "Get Credit Information". After successfully obtaining the information, the inquirer can know the number of his or her credit card accounts (i.e., the number of credit cards).

2. Check the number of credit cards at offline business outlets: Personal credit reports include the number of credit cards owned by citizens. Cardholders can check their credit cards by checking their personal credit. Cardholders only need to bring their ID cards to the local People's Bank of China branch to print their credit report and then check their credit card through the credit report. If a cardholder has too many credit cards, the bank will consider the cardholder's potential debt to be too high and may not be able to take on new debt. In order to reduce the risk of borrowing, banks often reject applications from borrowers with too many credit cards and will not issue new loans or credit cards to such borrowers.

How to check the credit card in your name

There are three ways to check the credit card in your name:

1. Telephone inquiry: You need to check by yourself Call the bank’s customer service phone number and use the customer service staff to query the credit card information related to your ID card;

2. Log in to the credit reporting system: check your credit reporting report and personal credit card information by registering with your ID card number;

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3. Bank outlets: You can bring your ID card to the local Credit Information Management Center of the People's Bank of China and check your personal credit card with the help of the staff. Operating environment; Apple 12iOS14 browser 12.8.7

With the popularity of credit cards, more and more people have become credit card users. Many people not only apply for a credit card, but also apply for multiple credit cards at the same time. However, as the number of credit cards increases, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones they should cancel. If you have the following credit cards, it’s best to cancel as soon as possible.

1. Credit card with low credit limit and difficult to pay

There is such a credit card. Although the threshold for applying for a credit card is not low, the credit limit of a credit card is pitifully low. In addition, it will be difficult to increase the credit card limit later. No matter how hard you work to improve your qualifications, credit card limits are still low. If you have this credit card on hand, instead of keeping it, you might as well cancel it indirectly to avoid overdue situations.

2. Long-term idle credit cards

Many colleagues apply for multiple credit cards just to show off and let others know that they have multiple credit cards at the same time. There are many people applying for credit cards and the consumption demand is very small. Idle credit cards have credit card fees and cannot be repaid on time, which can easily lead to overdue payments. Therefore, canceling the use of your credit card is the best solution.

3. Severely homogeneous credit cards

If you have two or more credit cards with similar benefits, please choose the credit card with the larger amount, and you can cancel the other credit cards.

4. Credit cards with fewer benefits

This requires careful comparison to find out among your own credit cards the credit cards with fewer benefits and less activities to cancel.

This ends the introduction on how to check the credit card in your name and how to check the credit card limit in your name. Have you found the information you need?