How to check bank credit records

1. Enter the official credit reporting website of the People's Bank of China () and click on "Internet Personal Credit Information Service Platform".

2. Enter the new page and click "Start Now".

3. Log in to your account.

4. After logging in, select the "Information Services" option, and then click "Get Credit Information".

5. Enter the pre-application authentication code and click "Submit".

6. If the credit inquiry request is submitted successfully, a new page will pop up and you can see your personal credit information.

There are three main methods for checking personal bank credit records.

1. Log in to the official website of the Bank of China Credit Information Center to make inquiries. Whether it is a credit card from Industrial and Commercial Bank of China, a credit card from China Merchants Bank or a credit card from China Construction Bank, if you want to check your personal credit record, you need to log in to the Credit Card Information Center of the People's Bank of China to check. Search on Baidu and you will find the People's Republic of China For the bank credit center, click to enter the official website, log in to the Internet personal information service platform on the home page, then register, and follow the prompts step by step to query your personal credit record.

2. Log in to the mobile app of the Credit Reference Center of the People’s Bank of China to make inquiries. This is also a query method that many consumers currently like to use, and it is very fast. You only need to download the People's Bank of China Credit Information Center app on your mobile phone, and after registration, fill in the relevant materials to complete the verification. After logging in to the People's Bank of China Credit Information Center mobile app, you can check your personal credit information record.

3. Manual query.

You can go to the nearby Credit Reference Center of the People's Bank of China to inquire directly with your valid identity document, or you can directly ask the staff at the counter or inquire through the credit reference self-service machine.

How to check credit card consumption records?

Credit card consumption records can be queried through the following methods:

1. Query credit card consumption records through online banking. Log in to your personal online banking, find the credit card section, select the query period, and click Query.

2. Call the bank’s toll-free customer service hotline to check credit card consumption records and bill details. Each bank has a dedicated credit card customer service department. You can consult them, enter personal information, and check consumption records.

3. Check the bank’s monthly statement. The statement mentioned here comes in two forms. One is that the bank will send it to you by email, and the other is that the bank will send it to you as an electronic statement. In the email sent to you in the form, there are detailed consumption records in the statement.

You can call customer service to inquire. Online payment is a bit slow, but for safety, it is better to call customer service and ask.

You can also check your consumption records by following the voice prompts on the customer service phone! You can also check with the seller you paid to see if your payment was successful.

A credit card is a consumer credit certificate given to us by the bank. Generally speaking, as long as our personal credit report is good, we can apply for credit cards at many banks. Credit cards have indeed made our lives more convenient, because they can help us solve problems when we are short of funds. It can be said that credit cards are a timely aid during our financial stress.

But I believe that many friends may overlook some very important details when using credit cards. Once we don't pay attention to these details, we may incur certain credit card fees. In this way, we will have an unpleasant card use experience when using credit cards. Now let’s take a look at the main four details that you must pay attention to when using credit cards.

First, never use POS machines to withdraw cash from credit cards. We know that credit cards can be used to withdraw cash, but a credit card can only withdraw a certain amount of cash. And you have to pay a certain withdrawal fee to the bank. Generally speaking, the rate is 1. For example, if our purchase price is 2,000 yuan, a service fee of 20 yuan will be incurred.

And some friends are too smart.

In order to save cash withdrawal fees, I applied to open a POS machine myself, and then swiped the POS machine at home to cash out my credit card. You can use the machine to cash out multiple times, but if you cash out too many times, the bank will carry out risk control and may close your credit card consumption and cash withdrawal functions, and then the gain will outweigh the loss.

Second, do not use up your credit card consumption limit at once. This phenomenon does exist in real life. Some young friends are short of spending funds. No matter how much spending limit they have on their credit cards, they will try to use up the limit.

As everyone knows, this kind of credit card consumption method is not good for you. A credit card only has a limit of 10,000 yuan. If you use it up all at once, it is equivalent to an overdraft of 10,000 yuan. With such regular consumption behavior, the bank will think that you have the bad habit of excessive consumption, which will increase the risk of your funds. This will not have any promotion effect on increasing your credit card limit in the future, but may actually decrease it.

Third, don’t let overdue payments affect your personal credit score, and try to use the automatic repayment function of your credit card. We know that credit card spending is easy, but when it comes time to repay, it can become a bit passive. Many friends know their credit card repayment date, but on the day of repayment, even if the bank has sent a warm reminder to repay on time, credit card holders over 60 years old will still forget to repay.

Because the pace of life is too fast now, everyone’s life is under great pressure. There are many people who are too busy at work and have too many chores in life that forget to repay their credit cards. Therefore, you must bind your repayment bank account and activate the automatic repayment function of your credit card to avoid overdue payments.

Fourth, don’t let your credit card remain dormant while you pay the annual credit card fee. After some friends apply for a credit card, they rarely use it, and may not even make a single credit card purchase within a year.

Although I did not spend a penny, most banks have clear regulations: only when you use your credit card to make a certain number of purchases or a certain amount can you be exempted from paying annual fees. Because the former has been in dormant period for a year, it still has to pay annual credit card fees ranging from hundreds of yuan to the bank. In this case, instead of getting any consumption on my credit card, I will be burdened with the financial burden of annual fees. It is really dumbfounding.

How to check credit card consumption records

Credit card consumption records can be checked directly at the bank counter, or through online banking, mobile banking, third-party software and other channels.

1. Online banking: Users log in to online banking and can check transaction details after entering my account, so that they can check specific consumption records.

2. Bank counter: Cardholders bring their ID cards and original credit cards to the card-issuing bank and ask staff to help check the transaction details, and they can also print transaction details for free.

3. Mobile banking: Cardholders can log in to the card-issuing bank’s mobile banking app and check transaction details after logging in to their account.

4. Third-party software query: When the bank card is bound to third-party software such as WeChat and Alipay, consumption records can be queried through the bill.

Extended information:

The application conditions for credit cards of various banks are similar. The basic application conditions are as follows:

1. Age of the applicant

Main card Applicants must be over 18 years old, and the maximum age limit varies by bank. For example, the maximum age limit is 60 years old for China Merchants Bank, CITIC, and Shanghai Pudong Development Bank; 65 years old for Guangfa, Bank of Communications, Minsheng, Ping An, and Huaxia; and 70 years old for China Construction Bank.

Applicants for supplementary cards are generally 16 years old or above. Among them, China Merchants Bank and Agricultural Bank of China require 14 years of age or above, while Minsheng Bank and China Construction Bank require 13 years of age or above.

2. Personal financial strength

Applicants must have a stable job and legal income, and have a certain ability to repay.

3. Credit report status

The personal credit report is good and there is no bad credit record, especially no credit cards, overdue loans, cash out, etc.

Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the approval 100%. In addition, some card types require special conditions, such as assets reaching a certain scale, etc.

Credit card limit increase:

When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:

1. Use more credit cards to spend money

If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.

2. Appropriate installment arrangements

Appropriate installment arrangements are conducive to credit card limit increases, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.

3. Keep good card usage records

If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.

How to query credit card records? A brief description of the method of querying credit card records

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

1. The credit card application is not approved.

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 report. This is a bank inquiry record.

2. After the credit card application is approved and the card is issued

You can check all the credit card accounts under the cardholder's name in the personal credit record, including the limit and whether there are any overdue repayment records, etc. .

The steps to check personal credit report and credit card application records are as follows:

1. Search for "Credit Report" on the web page and find the website of the Credit Information Center of the People's Bank of China. 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, enter the obtain credit information page, check the personal credit report, enter the identity verification code, and click Submit.

8. After submission, just check the credit record on the credit report page.

How can I find out the credit card details?

You can check the detailed statement of your credit card in the following ways:

1. Inquiry at a bank outlet: You can go to the bank branch to inquire and ask the bank teller for the detailed statement of your credit card.

2. Bank online banking inquiry: Credit card holders log in to the bank's online banking of the card-issuing bank and conduct bill inquiries through the credit card inquiry in the account inquiry service.

3. Telephone inquiry: You can call the service hotline of the credit card issuing bank and transfer to manual service to ask customer service to help with the inquiry.

4. Credit card APP query: Download and log in to the official APP of the credit card issuing bank, and then bind your credit card to directly query the bill.