Just go to the Bank of China and take my ID card to get water, but it must be a qualified loan to show that some small loans are not on credit.
Second, how to check all the debts of a person?
There are several ways to inquire about all the debts under an individual's name:
1. Check the personal credit report: the personal credit report contains relevant loan information, including how many times the user borrowed, whether it was settled, and how much the loan was, with complete records;
2. Users can call banks, lending institutions and service platforms with relevant business contacts to consult online customer service personnel about the loan situation;
3. Users can log in to online banking/mobile banking, and check the loan and credit card arrears on the personal account page; Online loan information can also be viewed by logging in to the loan software; .
4. Find a third-party data organization to view personal Internet big data: repayment records of Internet loans are generally recorded in Internet big data.
To apply for a credit card, you need to use it regularly and return it on time, which can improve your credit. Banks will assume that customers who use credit cards repeatedly are honest and have the ability to bear liabilities.
Third, how to inquire about personal credit information
There are two ways to query personal credit records:
1, check with the credit department of the local people's bank.
2. You can log on to the personal credit information service platform of the Credit Information Center of China People's Bank for inquiry.
Credit records can be found in three aspects through the platform: personal credit information prompt, personal credit information summary and personal credit report.
Personal credit report online query steps:
Turn left | turn right
After clicking "Register", you need to "agree" to inquire about the service agreement on the personal credit information service platform, and then you can enter the verification stage. You will see that there are two ways to choose from: "Digital Certificate Verification" and "Question Verification". If you have applied for a loan or have a credit card (including quasi-credit card) in use, and this information has been sent to the personal credit information system, you can choose between two verification methods, otherwise you can only choose the "digital certificate verification" method.
Need to be reminded that "digital certificate verification" is to verify identity through what we often say. At present, there are 77 banks that cooperate with the platform, but they do not include ICBC, Agricultural Bank, Bank of China, China Construction Bank, Bank of Communications and China Merchants Bank.
If the verification is successful, you will receive the inquiry code sent by the Credit Information Center of China People's Bank within 24 hours (valid for 7 days). With this query code, you will find your own credit record after logging in to the website. The same registered user can only submit an inquiry application once on the same day. During the 7-day validity period of the inquiry code, users can view the credit report many times.
List of pilot areas of Internet personal credit information service platform service
2065438+March 27th, 2003: Jiangsu, Sichuan, Chongqing.
2013101October 28th: Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong.
2065438+March 29th, 2004: Zhejiang, Tianjin and Xinjiang.
201April 26th, 4: Shanghai, Hubei and Qinghai.
It will be promoted nationwide in the future.
3. At present, everyone can check personal credit records for free in China People's Bank or personal credit service platform twice a year.
Fourth, how to check how many online loans a person owes?
Inquire through personal credit report. With the state's supervision of online lending platforms, most formal platforms are connected to the central bank to borrow money, and the loan records will be reflected in the personal credit report, so you can know the name by querying the personal credit report.
We can go directly to official website, the credit inquiry center of the People's Bank of China Branch, with my valid ID card.
However, not every online lending platform is connected to the central bank's credit information system. If you can't borrow online loans for credit reporting, you can't see the loan records of these online loans by querying personal credit reporting.
Default network
1. Encountered penalty interest and liquidated damages.
If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions pay back money on the basis of penalty interest, and these fees will increase. If you don't want to get into the loan quagmire, that's fine.
2. Credit damage.
If you borrow a lot of money from the online lending platform and fail to pay it back within the time limit, your credit report will be tainted. If you want to apply for a credit card in the future, you will miss your own credit wealth, which is actually not worth the candle. Some people say that the loan I took from the online loan will not be included in the central bank's credit information. Needless to say, online loans and central banks are now more interconnected. Even in the online lending circle, there is a shared "blacklist" system. If one family doesn't pay back, it will be difficult to approve other loans.
3. Collect in various ways.
Whether it is a bank or an online loan, there are self-message and telephone dunning. In some cases, there will even be personal pressure from the collection staff for 24 hours. In severe cases, people can't stand this kind of "spiritual oppression".
4. Being seized, assets may be seized.
Maybe you have a strong "anti-pressure" ability and think that the consequences mentioned above are all Mao Mao rain, so financial institutions will not be polite to you and can only arm themselves with secret weapons and laws. Once the court has pronounced the sentence, you have to execute the Repayment Ruling, otherwise the arrears under your name will be sealed up according to law.