There are three ways to check your own credit card:

1. Telephone inquiry: you need to inquire about the customer service telephone number of the bank by yourself, and inquire about the credit card related information handled by your ID card through the customer service staff;

2. Log in to the credit information system: register your credit information report and personal credit card information through your ID number;

3. Bank outlets: You can bring your ID card to the credit management center of the local People's Bank and check your personal credit card with the help of the staff. Operating environment; Apple 12iOS 14 browser 12.8.7

With the popularity of credit cards, more and more people have become credit card groups. Many people not only apply for credit cards, but also apply for multiple credit cards at the same time. However, with the increase of credit cards, problems inevitably arise in credit card management. Many people are considering canceling some of these credit cards, but they don't know which ones should be cancelled. If you have the following credit cards, you'd better cancel them as soon as possible.

1. Credit card with low credit limit and difficult to pay.

There is such a credit card. Although the threshold for applying for a credit card is not low, the credit limit of a credit card is pitifully low. In addition, it is more difficult to increase the credit card limit later. No matter how hard you try to improve your qualifications, the credit card limit is still very low. If you have this credit card at hand, instead of keeping it all the time, it is better to cancel it indirectly to avoid overdue.

2. Long-term idle credit cards

Many colleagues apply for multiple credit cards just to show off and let others know that they have multiple credit cards at the same time. There are many people applying for credit cards, and the consumer demand is very small. Idle credit cards have a charge for swiping, so they can't repay on time, which is easy to cause overdue. Therefore, canceling the use of credit cards is the best way.

3. Credit cards with serious homogenization

If you have two or more credit cards with similar rights and interests, please choose a credit card with a larger amount, and other credit cards can be cancelled.

4. Credit cards with less rights and interests

This requires careful comparison to find out the credit card cancellation with less rights and activities from your own credit card.

How to query credit card information

Check credit card information:

1. Bank outlet inquiry: You can go to the bank outlet to inquire about the detailed credit card bill from the bank teller.

2. Log in to personal online banking: the credit card holder logs in to the online banking of the issuing bank, and makes bill inquiry through the credit card inquiry in the account inquiry service. If you use the credit card of Agricultural Bank of China, please log in to your personal online banking and click "Credit Card → Inquiry → Inquiry Bill" to inquire about the outstanding bill details of your credit card and the statement of the bill for the last 12 months, including the payable amount, minimum repayment amount, consumption record, repayment record, etc.

3. Log in to the mobile banking APP: download the official APP that logs in to the credit card issuing bank, and then bind your own credit card, so you can directly check the bill.

4. Call the bank's customer service hotline: You can call the service hotline of the credit card issuing bank, switch to manual service, and ask the customer service for help.

5. Some banks can query credit card bills via SMS: For example, CCB can send CCZD# via mobile phone to query.

6. WeChat inquiry: If you use the Agricultural Bank of China credit card, please pay attention to the official account of WeChat of China Agricultural Bank, and click "Credit Card → My Bill" to view the current bill details, outstanding bill details and historical bill details. Including ordinary 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 harmonyOS5.6.0 version 5.6.0.

At present, most banks support online inquiry of credit card arrears. Among them, the more common online query channels are WeChat official account, online banking, mobile banking and so on. This query method cannot directly see the credit card arrears, and the cardholder can only see the available credit card amount when logging in, so it is necessary to subtract the available credit card amount. In order to get the amount owed by the credit card. Then add up the debt amount calculated by each card, which is the total credit card debt that the cardholder needs to repay. But relatively speaking, the accuracy of this query method is not very high, especially in the case of credit card installment. After all, we owe not only the installment principal, but also the installment fee for each installment.

How to check personal credit card (debit card)?

Personal credit card (debit card) query has three ways to run the query:

1. Telephone inquiry: you need to inquire about the customer service telephone number of the bank by yourself, and inquire about the credit card (debit card) related information handled by your ID card through the customer service staff;

2. Login to the credit information system: you can query your personal credit card (debit card) by running online registration and querying the credit information report with your ID number;

3. Handling at bank outlets: You can bring your ID card to the credit management center of the local People's Bank and check your personal credit card (debit card) with the help of the staff.

How to check the credit card balance

Credit card balance inquiry methods are:

1. You can make inquiries at local bank outlets with your valid personal ID and credit card.

2. Call the credit card customer service hotline of the issuing bank, and then follow the voice prompts to check the balance, or directly transfer to the manual service and ask the customer service to help you check;

3. Log in to the online banking and mobile banking of the issuing bank, and find the relevant information of the credit card for inquiry.

If you don't have time to go to the local outlets, it's faster and easier to check the balance by phone.