How do you know if you have a credit card?

Whether you have applied for a credit card can be checked through bank branches, bank phone calls and credit reports.

Bank branch inquiry:

You can bring your ID card to the local branch of the People's Bank of China for enquiry. Just print out your personal credit report. Because the credit report will have credit card details, if you apply for a credit card, it will be shown on your personal credit report. 2. Bank telephone inquiry

You can also call the customer service number of each bank and ask the customer service staff whether you have a credit card.

Compared with ordinary debit card accounts, children’s bank cards have relatively single service functions. The children's exclusive cards of ICBC, ICBC and China Communications Bank can all realize the basic service functions of general debit cards, such as deposits and withdrawals, consumption, transfers, etc.

The three banks have varying degrees of restrictions on other functions such as bill payment, online banking, and wealth management, and the specific situations are different. Among them, for those who open the "Baby Growth Card" of ICBC and sign an exclusive financial management agreement, the bank can provide account management functions such as automatic transfer of over-limit deposits, account change reminders, monthly consumption limit setting, etc. However, the children's card does not support the purchase of financial management and funds. Fixed investment and other functions cannot be opened for online banking.

The "Great Wall Flower Card" launched by Bank of China for young students under the age of 16 has a one-card multi-account function and a collection and payment function. This card also does not support bank financial management, fixed fund investment, etc. Bank of Communications' "Pacific Children's Card" can provide online banking and other electronic banking services for children's exclusive cards in the presence of an agent, but minors cannot handle this business alone.

Children's exclusive card service fee discounts are very limited, and some banks even have no discounts at all. Among them, ICBC waives the annual fee and opening fee for "Baby Growth Card" cardholders under the age of 16. However, if the average daily balance of the account is less than 300 yuan, they will also be charged 3 yuan/quarter for small account management. fee. In addition, ICBC also provides a preferential treatment for parents to transfer remittances to the accounts of children under 16 years old without reprinting remittance fees.

The Bank of China "Great Wall Flower Season Card" does not have an annual fee reduction discount. Like ordinary card accounts, the bank charges an annual fee of 10 yuan/card, and a small account management fee under corresponding conditions.

The Bank of Communications' "Pacific Children's Card" has been given a "limited" discount. Newly opened children's cards can enjoy exemption from the cost of production and the annual fee for the first year. From the second year onwards, However, there is an annual fee of RMB 10 per card per year. However, Bank of Communications' small account management fee is only for passbook customers, and is not charged for all bank card customers.

The Home Alone Card is a children’s financial management card launched nationwide by Minsheng Bank. The card specially prepares financial management package products suitable for children and families, including education savings, smart financial products and growth financial products. wait.

This card has the function of a debit card, and you can also choose additional products, such as "current savings + free instant messaging of parents' account information", allowing parents to understand their children's consumption trends at any time. Education savings are applied to students in the fourth grade of primary school and above, allowing parents to prepare their children for college in the future. Money Makes Money Plan B is a value-added financial product for young people with short-term large-amount education funds. Interest will be automatically settled every day (minimum one day) according to the notice deposit interest rate of the corresponding currency from the date of deposit of the funds. At the same time, the previous interest settlement will be The principal and interest on the day are automatically transferred to the next interest calculation cycle, compound interest is calculated, and can be withdrawn at any time. The starting amount for application is 50,000 yuan.

How to check whether there is a credit card in your name

1. Telephone inquiry: The user calls the bank customer service and checks the credit card information under the user’s ID card through the hotline customer service

2. Credit card credit report inquiry: Obtaining information through credit report is the simplest and most convenient way.

3. Bank branch inquiry: You can bring your personal ID card to the local People's Bank of China to inquire about your personal credit card with the help of the staff.

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How to check whether there is a credit card in the name of the ID card?

1. Customer service inquiry: Call the manual customer service of the bank's credit card center and ask the manual customer service to check;

2. Official website inquiry: Enter the relevant bank website, search for application progress inquiry, click View the web page. Select the certificate type, enter the ID number, and then click the View button to view the results;

3. Credit report inquiry: The personal credit report will record in detail the number of credit cards, amount, bank, etc. under the personal account. With this information, users can list all credit cards under their personal account.

How to know whether you have a credit card?

Method: You can enter the Chinese People’s Credit Information Center to check the personal credit report to see if there is a credit record for a personal credit card.

The specific query steps are as follows:

1. Search "Credit Report Center" on Baidu webpage, find the official website option, and then click to enter.

2. After entering, find the "Internet Personal Credit Information Service Platform" and click to enter.

3. After entering, find "Start Now" and click to enter.

4. After entering the login interface, enter the user name, password and verification code, and click Login.

5. After logging in successfully, enter the personal account page, check the credit report under the application credit information column, and click to obtain the dynamic password.

6. Enter the mobile phone dynamic password and click Submit.

7. After receiving the identity verification code, on the obtain credit information page, check the personal credit report, enter the identity verification code, and click Submit.

8. After submission, you can check your personal credit report.

This is the introduction of how to check whether you have a credit card.