1. When you go to the local (nearby) People's Bank, bring the original and photocopy of your ID card, and let the staff of the People's Bank inquire about your personal credit report, which contains the detailed information of the bank where your credit card is handled (including consumption);

2. If the credit report shows that you have a credit card in ICBC, but you are sure that you have not done it, don't worry. Take the printed personal credit report with you, and go to ICBC to check with their credit card staff to see if you have made a credit report in this bank. This is easy to prove. If you have a credit card in ICBC, you must have a copy of your ID card and your signature at that time.

3. If it is finally confirmed that you have not applied for a credit card in this bank (ICBC), it will be easy:

First, let the bank (ICBC) handle the objection, and your overdue record will be corrected in less than one month; Second, go to the local people's bank to apply for objection handling, and the result is the same as the first one; Third, if you have urgent business at present, you can ask the bank (ICBC) to issue you a paper certificate, that is, the certificate that you have not applied for a credit card or overdue records, and take this certificate to the bank where you are going to start a new business to prove it;

4. If you want to know more details, you can also log in to the Credit Information Center of China People's Bank through the Internet or call the Credit Information Center at 400. I hope my answer can help you ~ you can continue to consult me if you have any questions. . .