There are several ways to find out how many credit cards are in your name:
1. Inquiring about the number of credit cards through the Internet: Inquirers find and enter the personal credit service platform of the People's Bank of China, and click "Start immediately". If the inquirer has an account, just log in; If the inquirer doesn't have an account, he needs to register an account first, and then log in. After the inquirer logs in, click "Credit Service" first, and then click "Get Credit Information". After successfully obtaining the information, the inquirer can know his credit card account number (that is, the number of credit cards).
2. Offline outlets check the number of credit cards: the personal credit report includes the number of citizens' credit cards. Cardholders can check their credit cards by checking their personal credit. Cardholders can print their own credit report as long as they bring their ID card to the local people's bank outlets, and then check their credit cards through the credit report. If the cardholder has too many credit cards, the bank will think that the cardholder's potential debt is too high and may not be able to bear new debts. In order to reduce the risk of borrowing, banks usually reject the application of borrowers with too many credit cards and will not issue new loans or credit cards to such borrowers.
How to check all the credit cards in your name?
Check all credit cards in your name as follows:
Mode 1: Internet query. Users find and enter the personal credit service platform of China People's Bank, and click the "Start Now" button. If you already have an account, just log in; If you don't have an account, you need to register before logging in. After the user logs in, click "Credit Information Service" and then click "Get Credit Information". After successfully obtaining the information, users can know their credit card accounts.
Operating environment:
Brand model: Lenovo notebook computer Xiao Xin Air 15 Ruilong Edition
System version: Windows 1 1
Browser: Google chrome browser
Browser version: 87.0.4280.88
Method 2: offline query. Users can take their ID cards to the offline business outlets of the local People's Bank and print their own credit reports. The personal credit report contains the citizen's credit card number, and the cardholder can query his credit card by querying personal credit information.
First, how to apply for a credit card?
To apply for a credit card, you can apply in the following ways:
1. Bring my ID card and credit certificate to the bank counter.
2. Through online banking, you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on online banking.
3. Call the bank's customer service phone and follow the voice prompts.
Operating environment:
Brand model: Lenovo notebook computer Xiao Xin Air 15 Ruilong Edition
System version: Windows 1 1
Browser: Google chrome browser
Browser version: 87.0.4280.88
Second, how to unlock the credit card if it is locked?
There are different solutions according to the reasons for being locked:
1. If the credit card is locked due to overdue, the cardholder should return the overdue amount as soon as possible. After the cardholder pays off the overdue amount, he can call the credit card center of the issuing bank, and the general bank will unlock it;
2. If the cardholder locks the card due to the loss or theft of the credit card, the issuing bank will unlock it after the relevant matters have been handled, and the cardholder may also take the initiative to ask for unfreezing;
3. If the bank thinks that the cardholder cashes out, it can't be unsealed generally. However, if there is evidence that it is not the cardholder cashing out, but the Pos machine of the merchant has a problem, the credit card center may also unseal it.
Third, what bank does not look at liabilities when it runs a credit card?
Generally speaking, there is no bank that runs a credit card without looking at liabilities. Liabilities will affect the repayment ability of cardholders, which is the most important thing for banks to approve cards.
The bank's approval of credit cards depends on the applicant's credit information. If the debt is relatively high, the risk of the bank will also increase, which is not conducive to approval.
You can apply for other credit cards of the same level at the same bank. Some banks do not check the credit information on the second card, and high debts may approve the card.
How to check whether there is a credit card in your name?
There are three ways to check your own credit card:
1. Telephone inquiry: you need to inquire about the customer service telephone number of the bank by yourself, and inquire about the credit card related information handled by your ID card through the customer service staff;
2. Log in to the credit information system: register your credit information report and personal credit card information through your ID number;
3. Bank outlets: You can bring your ID card to the credit management center of the local People's Bank and check your personal credit card with the help of the staff. Operating environment; Apple 12iOS 14 browser 12.8.7
With the popularity of credit cards, more and more people have become credit card groups. Many people not only apply for credit cards, but also apply for multiple credit cards at the same time. However, with the increase of credit cards, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones should be cancelled. If you have the following credit cards, you'd better cancel them 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 is more difficult to increase the credit card limit later. No matter how hard you try to improve your qualifications, the credit card limit is still very low. If you have this credit card at hand, instead of keeping it all the time, it is better to cancel it indirectly to avoid overdue.
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 consumer demand is very small. Idle credit cards have a charge for swiping, so they can't repay on time, which is easy to cause overdue. Therefore, canceling the use of credit cards is the best way.
3. Credit cards with serious homogenization
If you have two or more credit cards with similar rights and interests, please choose a credit card with a larger amount, and other credit cards can be cancelled.
4. Credit cards with less rights and interests
This requires careful comparison to find out the credit card cancellation with less rights and activities from your own credit card.
How to check whether there is a credit card in your name?
I. Inquiries about bank outlets
You can take your ID card to the local business outlets of the People's Bank of China and print your personal credit report. Because there will be credit card details on the credit report, if you have a credit card, it will be displayed on your personal credit report.
Second, the bank telephone inquiry
You can also call the customer service phone of each bank and ask the customer service staff whether they have applied for a credit card. But obviously, this method is very troublesome, and you have to fight one after another.
Third, online inquiry.
You can log in to the People's Bank of official website and China, and check whether you have applied for a credit card by checking your personal credit report. It doesn't need to print out a report like going to a central bank outlet. On official website, you can directly check the credit card details in the personal credit report online.
With the popularity of credit cards, more and more people have become credit card groups. Many people not only apply for credit cards, but also apply for multiple credit cards at the same time. However, with the increase of credit cards, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones should be cancelled. If you have the following credit cards, you'd better cancel them 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 is more difficult to increase the credit card limit later. No matter how hard you try to improve your qualifications, the credit card limit is still very low. If you have this credit card at hand, instead of keeping it all the time, it is better to cancel it indirectly to avoid overdue.
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 consumer demand is very small. Idle credit cards have a charge for swiping, so they can't repay on time, which is easy to cause overdue. Therefore, canceling the use of credit cards is the best way.
3. Credit cards with serious homogenization
If you have two or more credit cards with similar rights and interests, please choose a credit card with a larger amount, and other credit cards can be cancelled.
4. Credit cards with less rights and interests
This requires careful comparison to find out the credit card cancellation with less rights and activities from your own credit card.
How to check your credit card?
1. Inquire through customer service, website or credit report.
2. We often encounter such a situation that we receive bills inexplicably or are told that our credit is damaged, so we need to know if we have a forgotten credit card. Sometimes in order to find out their credit card information, they will also check their credit cards. Here are some ways to check your credit card:
1) Customer service inquiry: Call the customer service hotline of the corresponding bank credit card center to request manual service confirmation. Credit card customer service hotlines of credit card centers of major banks can be inquired at 1 14, or at the bank of official website.
Note: Customer service telephone number of each bank: Industrial and Commercial Bank of China (95588); Agricultural Bank (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559);
2) Website inquiry: If you don't know which bank to inquire about, it will be time-consuming and laborious to make a phone call. At this time, you can use the website to inquire, and you can get it directly by 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 "Query" to find the results. Note: As the documents for applying for credit card support include passport, ID card, etc. If you have multiple documents, you'd better try to check them all.
3) Inquiry of credit report: It is the simplest and most convenient way to obtain information through credit report. Generally, friends are advised to log on to the online credit information platform of the People's Bank of China in official website to check their credit information. The credit report will record in detail how many credit cards you have in your name, how many credit lines you have, what bank you are in and what your current status is. With this information, we can list all the credit cards in our name and save them for later use.
Note: whether you use a credit card or not, you need to pay attention to your repayment date and reconciliation date.
1. The credit card billing date means that the issuing bank regularly summarizes and settles all transactions and expenses of your credit card account in the current period every month, calculates the total amount owed and the minimum repayment amount in the current period, and mails the statement for you. This date is your credit card bill.
2. Repayment date refers to the latest date when the credit card issuing bank requires the cardholder to repay the amount payable. In other words, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date.
3. The specific bookkeeping date and time of each bank are different, including by birthday, system random and fixed date random. Some banks can provide semi-annual bill date modification service. Effectively modifying the bill date will greatly help to improve your convenience in using the card.
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