According to the two results of applying for a credit card, the inquiry method is different:
1. Credit card application failed.
The application record will not be displayed on the credit report. Only the credit information of the applicant recently inquired by a bank will be displayed, which belongs to the bank inquiry record.
2. The credit card application is approved and the card is issued.
You can find all credit card accounts, credit limits and overdue repayment records in your personal credit records.
Inquiring about personal credit report and inquiring about credit card application records are as follows:
1. Search for "Credit Report" on the webpage, find the website of Credit Information Center of China People's Bank after searching, and then click Enter.
2. After entering, find the Internet personal credit service platform, and then click Enter.
3. After entering, find "Start Now" 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 credit application column, and click to get the 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, you can query the credit record on the credit report page.
How to check credit card details?
Method for chec credit card transaction records
1. Inquire about credit card consumption records through online banking:
2. Call the bank's free customer service phone to inquire about credit card consumption records, consumption records and bill details.
3. Check the monthly statement of the bank. There are two forms of statement here. One is that the bank sends it to you by mail, and the other is that the bank sends it to you by electronic bill.
Reminder: Personal credit card consumption records are very important. It is best for cardholders to carefully check their credit card consumption records every month. If there are any problems, they can contact the issuing bank to avoid bad credit card records.
CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, serial number and cardholder's name printed on the front, and the card surface has a chip, a magnetic stripe and a signature strip.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Terms in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the standard of English translation and writing for public service was formally implemented, and the English name of CreditCard was stipulated as credit card.
How to inquire about credit card repayment records
If you want to check the repayment records of credit cards, you can do so in the following ways:
1. Telephone banking inquiry: You can call the credit card customer service hotline of the issuing bank, and then follow the voice prompts to inquire about the repayment record or turn to manual inquiry;
2. Inquire at the issuing bank outlets: go directly to the nearby issuing bank outlets, then queue up to get the number and explain the purpose to the staff;
3. Online banking/mobile banking inquiry: Because the mobile banking/online banking pages of various banks are inconsistent and the inquiry methods are also inconsistent, it is necessary to find the relevant options for credit card inquiry.
Common credit card repayment methods in China mainly include the following categories (according to the cost level):
Intra-bank repayment
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Network repayment
Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Make an inter-bank transfer
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Guimiantong
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
Lacarra
Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.
Xinfutong
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
Intelligent repayment
The main function of the new industry is to use the balance of 5%- 10% in the card to make a good consumption repayment plan, and then automatically recover the consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.
How to view credit card bill details?
Credit card bill details will include credit card consumption time, consumption amount, transaction description and other information. For customers who want to know the consumption situation, it is very necessary to inquire about the details of credit card bills. The following is the credit card bill details query method (taking construction behavior as an example):
1. website inquiry: log in to the website of CCB Credit Card Center, select historical bills or transaction details through inquiry, and view the 24-hour billed or unpaid bills.
2. Online banking inquiry: log in to personal online banking. In the Credit Card-My Card Package, select historical bills or transaction details to view bills that have been billed or not within 24 hours.
3. WeChat inquiry: Pay attention to WeChat official account "China Construction Bank" of China Construction Bank, and you can inquire and repay 24 bills by yourself after binding the credit card.