How to check the credit card in your name

1. Check through customer service, website or credit report.

2. We often encounter situations where we receive a bill inexplicably or are told that our credit is damaged. At this time, we need to know whether we have a forgotten credit card. Sometimes, in order to find out your credit card information, you will also check the credit card in your name. The following are several ways to check the credit card in your name:

1) Customer service inquiry: Call the customer service hotline of the credit card center of the corresponding bank and request manual service for confirmation. The credit card customer service hotline of the credit card centers of major banks can be inquired at 114 or on the bank's official website.

Note: Customer service hotlines of each bank: Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559);

2) Website inquiry: If you don’t know which bank to inquire about, making a phone call will be time-consuming and laborious. At this time, you can use the website to query, and you can do it directly with your computer. Go to the bank's website, find "Application Progress Inquiry" and click to enter the inquiry page. Select the certificate type, enter the certificate number, and then click the "Query" button to query the results. Note that since the documents supported when applying for a credit card include passports, ID cards, etc., if you hold multiple documents, it is best to try to check multiple documents.

3) Credit report inquiry: Obtaining information through credit report is the simplest and most convenient way. Generally, I recommend friends to log in to the online credit reporting platform on the official website of the People's Bank of China to check their credit reporting. The credit report will record in detail how many credit cards you have in your name, how many credit limits they have, which banks they are in, and what their current status is. With this information, we can list all the credit cards in our name and keep them for future reference.

Note: Regardless of whether you use your credit card or not, you need to pay attention to your repayment date and reconciliation date.

1. The credit card statement date refers to the card-issuing bank’s regular monthly summary and settlement of various transactions and charges that occurred in your credit card account in the current period, and interest calculation to calculate the total amount you owe in the current period. and minimum repayments, and a statement will be mailed to you. This date is your credit card statement date.

2. The repayment date refers to the last date when the credit card issuing bank requires the cardholder to return the amount due. That is to say, after the card-issuing bank issues the bill, you should pay off all the fees you have consumed before the due payment date.

3. Each bank has different specific billing date settings. Some are based on birthdays, some are random by the system, and some are random on a fixed date. Some banks can provide semi-annual statement date modification services. Effectively modifying the billing date time will greatly help enhance the convenience of using your card.

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How to check credit card information

Query credit card information:

1. Bank branch inquiry: You can go to the bank branch to inquire, and just ask the bank teller for the credit card statement details.

2. Log in to personal online banking: 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. If you use an Agricultural Bank of China credit card, please log in to personal online banking and click "Credit Card → Inquiry → Bill Inquiry" to check the unissued bill details of your credit card and the statements of the last twelve months, including the repayment amount and the minimum repayment amount. , consumption records, repayment records, etc.

3. Log in to the mobile banking APP: 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.

4. Call the bank customer service hotline: You can call the service hotline of the credit card issuing bank and transfer to manual service to ask customer service to help you make inquiries.

5. Some banks can check credit card statements through text messages: such as China Construction Bank, just send CCZD# on your mobile phone to check.

6. WeChat inquiry: If you use an Agricultural Bank of China credit card, please follow the "Agricultural Bank of China" WeChat official account and click "Credit Card → My Bill" to view the current bill details, unissued bill details, Historical bill details. Including general transaction details, installment transaction details and special bills.

Operating environment: Microsoft Edge version 95.0.1020.40 WeChat Version 8.0.16 China Construction Bank harmonyOS version 5.6.0

Nowadays, most banks support online inquiry of credit card debts. Among the more common online inquiry channels are WeChat official account, online banking, mobile banking, etc. This query method cannot intuitively see the credit card balance. When the cardholder logs in, he can only see the available limit of the credit card, and needs to subtract the available limit from the total credit card limit. Only then can the amount owed on the credit card be determined. Then the calculated balance of each card is summed up, which is the total credit card debt that the cardholder needs to repay. But relatively speaking, the accuracy of this type of query method is not very high, especially when the credit card has installments. After all, the total amount of debt is not just the principal of the installments, but also the amount of each installment. Installment fee.

How to check personal credit card (credit card)?

There are three ways to query personal credit cards (debit cards):

1. Telephone query: You need to query the bank’s customer service phone number by yourself, and ask the customer service staff to query your ID card. Information related to your credit card (credit card);

2. Log in to the credit reporting system: Use your ID number to register and query your credit reporting online to query your personal credit card (credit card) debit card);

3. Handling at bank outlets: You can bring your ID card to the local Credit Information Management Center of the People's Bank of China and check your personal credit card (credit card) with the help of the staff.

This ends the introduction on how to check a credit card and how to check the validity period of a credit card. Have you found the information you need?