Question 1: What does credit enhancement mean? How to increase credit card credit? The bank will increase your credit limit based on your card usage. Just use the card more and repay it well.

Question 2: What is a credit report when applying for a credit card? Credit investigation means that the bank conducts certain verification on some relevant information of the applicant. It does not target all applicants but a sample survey. Sometimes they contact the applicant directly and ask some relevant questions, such as ID number, unit, contact number, etc.; sometimes they also call the relevant department of the unit for verification. Generally, if you meet the bank's card issuance conditions, you can pass as long as you provide relevant information truthfully, so don't worry too much.

Question 3: What is credit enhancement business 1. General credit enhancement business

Ensure the timely repayment of principal and interest of direct debt financing instruments, help enterprises successfully achieve debt financing, and broaden corporate financing channels. Reduce comprehensive financing costs

2. Regional concentrated business

Establish a risk diversification and sharing mechanism that runs through issuance selection, credit enhancement, risk mitigation, follow-up management and other links, *** At the same time, we will promote small and medium-sized enterprises to rely on the inter-bank bond market to carry out direct financing.

3. Financial management product credit enhancement business

Provide credit enhancement services for financial management products issued by banks.

4. Other businesses related to bond credit enhancement

Based on the bond credit enhancement business, it provides a series of comprehensive services such as financial/financing consulting, management consulting, and short-term financing. Directional services.

Question 4: What is the meaning of credit card credit report? As long as you apply for a loan at the bank and use the credit card on the personal credit report system of the People's Bank of China, you can check your personal credit report information. It is very detailed. From there, you can See how your personal credit is and whether you have any bad credit record in the bank

Question 5: What does a credit card credit report mean? How to check a credit card credit report? What does a credit card credit report mean?

Credit Card It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases, and repayment will be made on the bill date. Banks regularly assess customer risks. In addition to basic repayment records and credit utilization rates, consumption habits are also very important, and credit card credit is one of the important factors.

Computer

Website for online inquiry of personal credit record

1. Many people do not know the URL for online inquiry of personal credit record. We can search "personal credit record" on Baidu. Credit record online inquiry." Then the first one marked with the official website in the search results is the query platform.

Website for checking credit record>>

2. After entering, you will find the website for checking personal credit record online, and you need to register first. You can check it after logging in.

Personal credit record online inquiry process

Registration:

You must first register for inquiry. The first step of registration is to fill in your personal identity information. ID card and name. Then if you don’t know the digital certificate as the verification method, you can choose question verification.

The problem verification is the usage record of your bank card. If it is a credit card or loan you have been using. All can be remembered. Fill it out carefully according to the time.

Set the account and password after verification. Remember that passwords need to be in both uppercase and lowercase letters. Otherwise you will have to re-enter.

After submitting the registration application, you need to carefully check the application results and the credit report query code. You also need to watch your own review results. You need to log in to activate within ten days.

You will not be able to log in without verification. As shown in the figure below.

If you don’t receive a text message for a long time, you can check if there are any spam messages in your spam. Some software will automatically intercept such information. Like mine, it's in spam text messages.

Then there is the login query. There will be an activation code when you log in. The activation code is sent to the phone. Enter click the Activate button. Then it will automatically jump to login.

Then the left navigation is personal credit inquiry. Click on summary information query. Then click to get the query results. Then click the Get Confirmation Code button.

A text message will be received on your phone. Enter the confirmation code and click the Submit button.

Then you can see your personal credit record

Question 6: What does it mean when the credit card credit report shows prohibited customers? The credit card credit system query shows prohibited customers mainly in the following situations:

1. The loan or credit card account status is displayed as frozen, stopped payment, bad debt and other abnormal status;

2. The credit card status in the last 24 months (note: the account status is displayed as "Cancelled" For credit cards with "Account", the last 24 months refers to the last 24 months at the time of inquiry, and the credit card whose account status is displayed as "Normal", the last 24 months

Refers to the last 24 months for the settlement year and month, below Same) The repayment status record appears G (uncleared account) or 4 (credit card has not repaid the minimum repayment amount 4 times in a row, and the credit card is overdrafted for 91-120 days) or above;

3. The last 24 months of the loan (Note: For loans whose account status is shown as "settled", the last 24 months refer to the last 24 months at the time of query, and for loans whose account status is shown as "normal", the last 24 months Monthly settlement

The last 24 months of the year and month, the same below) appear in the repayment status record: G (uncleared account), Z (debts offset by assets), D (repayment by guarantor) or 4 (overdue for 91-120 days) or more;

4. The cumulative number of unpaid minimum repayments on a credit card in the past 24 months exceeds 8 times or 3 (consecutive unpaid minimum repayments on a credit card) The repayment amount has been 3 times, and the number of quasi-credit card overdrafts (61-90 days) has exceeded 2 times in total;

5. The cumulative number of overdue times in the loan repayment status record in the past 24 months has exceeded 8 times or has occurred 3 (overdue for 61-90 days) has accumulated more than 2 times;

6. Other individual customers who are determined by the business department to be in the prohibited category.

Question 7: What does the credit card approval written on the credit report mean? When you apply for a credit card, the bank will check your credit report. There will be a credit card approval operation.

Question 8: What does it mean to apply for credit card credit reporting? Credit reporting means that the bank conducts certain verification on some relevant information of the applicant. It does not target all applicants but conducts a sample survey. Sometimes they contact the applicant directly and ask some relevant questions, such as ID number, unit, contact number, etc.; sometimes they also call the relevant department of the unit for verification. Generally, if you meet the bank's card issuance conditions, you can pass as long as you provide relevant information truthfully, so don't worry too much.

Question 9: What does "credit card pending" mean? The bank goes to the People's Bank of China to check personal credit. If there are no problems with the credit, it will be approved on the spot. If there are problems, it will not be approved. This is a must. The process

Question 10: What does bank credit report mean? It means your reputation in social life collected by the bank, such as whether you are in arrears on mobile phones, telephones, water and electricity bills, etc.; whether you are in arrears on credit cards, loans, etc. A series of bad records such as whether it is overdue or not.