At present, CCB Mobile Banking supports individual customers to inquire about their credit reports with authorization.
specific steps:
1. You need a personal CCB card to sign up for CCB Mobile Banking, and the mobile banking APP needs to be updated to version 4.3.6 or above, and then log in to the personal mobile banking.
2. Apply through the menu of "Enjoy Life-More-Government Services-Personal Credit Report". Please fill in the receiving email address of personal credit report correctly when applying.
3. After the application is successful, you need to wait for a period of time, and usually send the report within one working day (usually you can receive the personal credit report on the same day).
4. Please log in to the receiving email address in time, enter the decompression password to view it, and view the decompression password at the place where the personal credit report of CCB Mobile Banking is applied. (CCB will keep it for 7 days after retrieving the query results of the credit report, so it is necessary to log in to the mailbox immediately to check it. )
Tips: The cumulative inquiry times of personal credit reports in electronic channels of CCB are: once a day, 3 times a month and 12 times a year. Please do not inquire frequently to avoid exceeding the limit.
operating environment: apple 12, ios14, China construction bank mobile banking version 8..13
1. never check the credit information indiscriminately. what are the consequences of checking the credit information indiscriminately?
the credit report is a very important credit certificate for individuals. You should not only repay on time and keep your word, but also regulate your own behavior and don't make random inquiries. Some users have consulted Xi Caijun, saying what are the consequences of disorderly checking credit information? Then let's briefly talk about this problem, hoping to be helpful after reading it.
what are the consequences of randomly checking credit information?
1. Credit information is wasted. For the loan platform, in order to effectively screen users, there will be restrictions when applying for basic conditions, for example, how many times a credit can't exceed three months. If users often check the credit information indiscriminately, which leads to the credit information being spent, then even the application threshold of the platform is out of reach.
2. Risk of long-term borrowing. If there are too many records of users' credit inquiry, the platform will think that users are suspected of borrowing from multiple sources, and once they are identified, they are likely to be directly rejected.
3. affect the loan approval. If the user's credit inquiry contains credit card approval, loan approval, guarantee approval and other records, it will naturally attract the attention of the platform, understand why the user has applied so many times, whether it has been approved, and how much it has been approved, so as to evaluate the user's debt situation and repayment risk.
Therefore, it is suggested that when there is no credit business to handle, the platform should not be authorized to check the credit information, but individuals should check the situation once or twice a year.