how to inquire about personal credit records of BOC credit cards?

Inquiry about personal credit records of BOC credit cards:

China Bank only reports your repayment records to the People's Bank of China truthfully. If you have opened the mobile banking of China Bank, you can inquire about personal credit through the "credit inquiry" function in the mobile banking, or apply to the credit management department of the People's Bank of China for inquiry with your ID card, or log on to the website of the Credit Information Center of the People's Bank of China for inquiry.

the above contents are for your reference. please refer to the actual business regulations.

how to check bank credit records

1. Go to China People's Bank for credit information official website () and click "Internet Personal Credit Information Service Platform".

2. enter a new page and click "start now".

3. Log in to your account.

4. after logging in, select the "information service" option, and then click "get credit information".

5. enter the pre-applied identity verification code, and then click "submit".

6. the request for inquiry of credit information was submitted successfully, and a new page will pop up to see the personal credit information.

there are three main ways to query personal bank credit records.

1. Log on to the official website of China Bank Credit Information Center for inquiry. Whether it's ICBC's credit card, China Merchants Bank's credit card or China Construction Bank's credit card, if you want to inquire about personal credit records, you need to log in to the Credit Information Center of the People's Bank of China to inquire, and search in Baidu, and the Credit Information Center of the People's Bank of China, click to enter the official website, log in to the Internet personal information service platform on the main page, then register, and follow the prompts step by step to inquire about personal credit information records.

2. Log in to the mobile app of the Credit Information Center of China People's Bank for inquiry. This is also a query method that many consumers like to use at present, which is very fast. You only need to download the China People's Bank Credit Information Center app on your mobile phone, and fill in the relevant materials to complete the verification after registration. After logging in to the mobile phone app of China People's Credit Information Center, you can query your personal credit records.

3. Manual query.

You can go to the nearby Credit Information Center of the People's Bank of China with your valid personal identification, or directly ask the staff at the counter or inquire through the credit information self-service machine.

where can I check my credit card?

how can I check my personal credit report?

1. Check online.

the central bank's credit information center has opened a nationwide service to query my credit report through the Internet.

The query address is: htp:/, which is the only official website of the credit information center and can be opened by computers and mobile phones! After entering the website, click "Internet Personal Credit Information Service Pingyi" under "Core Business" on the homepage to enter the inquiry page → click "Start Now" → register a new user → log in the user → verify online identity → fill in and submit an inquiry application to obtain a credit report, which will be available the next day.

after receiving the credit report, it is recommended to download the PDF file and keep it for yourself.

2. offline inquiry.

The online inquiry report is a simplified version. If you want to inquire about the detailed version, you need to go to the outlets or self-service inquiry machines to provide counters or self-service terminals to inquire, and you can get it immediately. The specific address of each city offline query can open official website. Or call 4-818866 for enquiry.

don't forget to bring the original and copy of your valid ID card when you go.

You can check your personal credit information twice a year for free, and you need to pay a small extra fee for more than two times.

Extended information:

What does the credit report contain?

Basic information: including identity information, residence information, occupation information, etc.

credit information: refers to the information of borrowing and repaying money, which is the core information in the credit report.

Non-financial liability information: information formed by consumption before payment, such as telecom payment F

public information: social security accumulation fund information, information on tax arrears, administrative law enforcement information, etc.

Inquiry information: who checked your credit report in the past two years, when and why.

how long will the bad information be kept?

bad information will be deleted from the credit report five years (later) from the date of termination, which is automatically set by the computer.

how often is the credit report updated?

it is updated every day. Most lending institutions submit data to the credit information system every day, so the changes that have taken place today may be shown in your credit report the day after tomorrow.

how many times will the inquiry affect the loan?

The inquiry record is a reference factor for whether to lend money. How many times will it affect the loan? The specific situation varies according to the standards of various institutions. From the perspective of risk control of financial institutions, generally speaking, there are four hard inquiries in one month, more than five in two months, eight in three months, and 12 in six months. Then, I'm sorry, I won't send them when I go out and turn right. Unsecured credit loan, no; Mortgage is also extremely difficult.

how to avoid too many hard queries?

1. Don't apply for a credit card frequently within a certain period of time. Every time you apply for a credit card, a hard inquiry record will be generated in the credit report, whether it is passed or not.

2. Don't often apply for loans from various online loan apps. Most of these online loan channels are small cash loans, and basically they have to check credit information. There are also those who don't go to the credit, but usually there are many routines with high interest. It is really necessary to read and ask clearly before applying.

3. Don't calculate the quota casually. Whether it's micro-loan or China Merchants Bank's flash loan, all the "see how much you can borrow" and "click to get the quota" related, as long as a little, there will be an extra inquiry record, whether you use the money or not.

how to query credit card records

according to the two results of applying for a credit card, the query methods are different:

1. The credit card application failed

The application record will not be displayed on the credit report. It will only show that a bank has recently inquired about the applicant's credit information, which belongs to the bank inquiry record.

2. The credit card application is passed and the card is issued

You can find all credit card accounts, credit lines and records of overdue repayment in the personal credit record.

The steps of inquiring about personal credit report to inquire about credit card application records are as follows:

1. Search for "credit report" on the webpage, find the website of the Credit Information Center of China People's Bank, and then click Enter.

2. After entering, find the Internet Personal Credit Information Service Platform, and then click Enter.

3. After entering, find "Start immediately" and click 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 column of applying for credit information, and click get dynamic password.

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

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

8. after submission, just query the credit record in the credit report page.

How to check your own credit records

How to check your personal credit

There are three ways to check your personal credit:

1. Log in to official website Credit Information Center of China People's Bank and register users on the official website of personal credit information service platform of China People's Bank Credit Information Center; Then submit an application for personal credit report inquiry, and you can get the inquiry results and electronic report the next day;

2. Inquire on the self-service inquiry machine authorized by the central bank

Some commercial banks have self-service inquiry machines for credit reporting, complete the face recognition technology and ID card, enter the mobile phone number after successful comparison, and you can print a simple version or a detailed version of the personal report;

3. Go to the local branches and sub-centers of the People's Bank of China to inquire

For some property buyers, banks often need detailed credit reports, and they must go to the local branches and sub-centers of the People's Bank of China to inquire and print them.

Extended information:

1. How often is the credit report updated?

credit report records are updated once every 1-2 months. That is to say, everyone's loan records for the current month can only be seen in the credit report after the next month. Therefore, it is very difficult for everyone to see the latest credit report, and there are still regulations. Even if the arrears have been paid off, the bad loan records will still be kept in the credit report records for five years. Only after five years, everyone's bad credit records will be systematically eliminated!

2. Notes on the credit report:

1. The credit report record cannot be modified artificially, so don't trust the intermediary, otherwise it may cause money loss

2. Although the credit report record will not be updated until January-February, it is difficult for those who are overdue to apply for new loans by using this time difference

3. Not all lending institutions are connected to the credit system. Therefore, the overdue records of some institutions cannot be found in the credit report

As we all know, personal credit reports record all the borrowing behaviors of everyone in financial institutions, which is also an important basis for banks to judge whether they can give loans to applicants. It can be said that without a good credit report, it is difficult to approve loans and credit cards!

how to query the bank credit records?

there are three ways to query bank credit records. 1. The inquiry methods of bank credit records are credit center, financial outlets and website independent inquiry. The most convenient and fastest way is to query the website independently. 2. Enquiry in the Credit Information Center. Users can bring their ID cards to the local credit information center to inquire and print. It should be noted that there are only two free inquiry opportunities in the credit information center every year, and more than that will be paid. If the financial outlets are connected to the bank credit information system, they can also directly check the credit information records on it. 3. The website independent inquiry method is to enter the website of the Credit Information Center of the People's Bank of China. Find the Internet personal credit information service platform, click Start immediately, log in, submit the application report through verification, and then you can generate a credit report.

This is the end of the introduction on how to check and inquire about credit card credit records. Did you find the information you need?