Bank card holders can directly check their personal credit records at Bank of Communications outlets with their ID cards, or they can go to the local People's Bank to check, bring their ID cards and copies, and fill in the relevant inquiry application form issued by the People's Bank. Generally, the query results can be produced within one to three working days.

At present, many places can already check personal credit reports through the website of the credit information system.

Personal credit report includes:

Personal basic information, such as name, certificate number, home address, work unit, etc. ;

Personal loan information and credit card information;

Personal credit report inquiry record (the computer will automatically record "when, who and why" to check the personal credit report);

Personal social security and other information.