How to check the credit score of China Merchants Bank credit card?
All personal credit reports can be checked at the People’s Bank of China. Inquiry method: I go to the business hall of the People's Bank of China with my ID card. There is a self-service credit inquiry machine. After verifying your identity by scanning your face, you can inquire and print out your personal credit report. Each person can print a credit report for free once a year, and a handling fee will be charged for the second printing.
How to check the credit record of China Merchants Bank?
1. First open the China Merchants Bank Mobile Banking APP on your mobile phone and find all on the homepage.
2. Click All to enter the all application interface.
3. Find your personal credit report in all application interfaces.
4 Click on the personal credit report to enter the personal credit report inquiry interface. You need to enter the mobile phone verification code and then click on the free application inquiry.
5. Click the free application query button to enter the face recognition interface and choose to start face recognition.
6. After successful face recognition, you can check your personal credit report.
Version model: Apple 12ios4 China Merchants Bank 35.2.12
Under normal circumstances, overdue credit cards will be recorded in the central bank’s credit report, and it is difficult for cardholders to ask the bank to cancel the report. In the past, the frequency of credit report updates was not that fast, and the bank may not report the credit report immediately. The cardholder only needs to have a reason for the overdue payment, and it is not malicious, such as being unemployed at home, losing his financial source, being sick and being hospitalized, etc. After paying off the debt immediately, you can contact the bank to explain the situation and negotiate with the bank to see if the report can be cancelled. But now that the second-generation credit bureau is online, the credit card may be overdue today and reported to the credit bureau the next day. The customer will not have time to negotiate with the bank to cancel the report. Moreover, banks will never cancel the report of overdue credit card information without any reason. Even if the customer negotiates with the bank, there is a high probability that the bank will reject it. However, overdue credit cards only need to be reported to the central bank's credit report, leaving bad records in personal credit reports. There is no manual intervention. Customers cannot apply to the People's Bank of China Credit Center to delete overdue records. You should know that this overdue record will generally be retained for at least five years after the customer pays off the debt before it can be deleted by the system.
Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system. The remedy for overdue credit card records may seem simple, but it is not simple to operate. I hope all cardholders will pay more attention, spend reasonably and repay on time. Credit card overdue records can be serious or minor. This is especially important if you want to apply for a loan using a credit card. If you want to know more loan information, please go to the personal loan website to make loans more efficient and convenient.
Can China Merchants Bank check personal credit report?
Yes. China Merchants Bank can check personal credit reports. Personal credit records are stored in the People's Bank of China Credit Information System. Enquirers can log in to the People's Bank of China Credit Information Center for inquiries. In some cities, inquiries can be made through China Merchants Bank outlets or online banking professional services. However, the actual regulations of the local China Merchants Bank must be followed. host.
Extended information:
Credit reporting includes two aspects: personal credit and business credit. Of course, there is also government credit reporting, but it can be ignored.
Enterprise credit reporting refers to the analysis and study of the credit records, operating levels, financial status, external environment and other factors of market participants such as enterprises, bond issuers, financial institutions and so on. , a comprehensive evaluation of its credit ability (mainly its solvency and its solvency). Corporate credit reporting is a comprehensive analysis and measurement of contract performance capabilities and credibility. It is an indispensable intermediary service in the market economy system.
Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that the credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law.
The credit report is based on the "People's Bank of China Releases the Development Report of China's Credit Industry (2003-2013)" forwarded by the Central People's Government of the People's Republic of China and the Central People's Government of the People's Republic of China. The credit report is collected, organized, and A way to save and process the credit information of natural persons, legal persons and other organizations.
In addition to the most common credit card overdrafts and overdue repayments of personal mortgage loans, some behaviors such as failure to pay on time and guarantees may be included in personal credit reports. The report shows that if the person has ever had tax arrears, civil judgments, enforcement, administrative penalties, or telecommunications arrears, etc., the report may be displayed. This means that in the future, if you are in arrears with water, electricity, gas or landline bills, or if you provide a guarantee for a third party, and the third party fails to repay the loan on time, it will also be included in the bad credit record.
The new version of the credit report of the central bank's personal credit reporting system has been launched online, and the "validity period" of overdue records has been officially set to five years. The new version of the credit report sets the starting point for overdue information as October 2009, and previous bad repayment records have been deleted.
How to check the credit report record of China Merchants Bank
Personal credit record is stored in the credit report system of the People's Bank of China. ① You can log in to the Credit Information Center of the People's Bank of China to query/print the credit report; ② part In the city, you can check/print it through China Merchants Bank outlets or online banking professional version (inquiries about your own credit report at personal counters are free for the first two times a year; for inquiries three times or more a year, 25 yuan will be charged each time), please call 95555-2 Manual Service-1 Personal Banking Services-5 Ordinary Personal Consultations Enter the city where the manual is provided to understand. ③You can follow "China Merchants Bank Credit Card" on WeChat. After entering, enter "Credit Record" and click on the picture to query.
Can China Merchants Bank check the credit report?
You can check/print the credit report through the "Credit Report Center of the People's Bank of China-Personal Credit Information Service Platform". The platform is open to customers nationwide, URL: web link.
Inquiry steps for reference:
1. Register;
2. Activate UnionPay online payment function (currently there is no charge for online inquiry, this step is The purpose is to authenticate the identity of the cardholder. There is a prompt on the page which bank's debit card or credit card is supported. China Merchants Bank only supports credit cards);
3. Query; after querying, you can download it to the desktop It is in the form of PDF, which can be printed as long as the computer is connected to a printer, and it has the watermark of the People's Bank of China on it.
If you have any questions during the printing process, please call the PBC credit reporting customer service hotline.
Some cities can also handle it through our bank. The specific methods for CMB inquiry are as follows:
1. Counter: Currently only the following cities have opened the service of inquiry of credit report at CMB outlets (not Agents are allowed), if you need to go to inquire, please call the customer service hotline in advance or consult online customer service for specific information such as the processing rules of the corresponding city (can only be processed on working days): Shenzhen, Suzhou, Beijing, Nanning, Xuzhou, Liuzhou, Nanjing, Chengdu.
Warm reminder: Please be sure to call the station in advance to confirm whether the machine is normal, and confirm that the machine is fault-free before going!
2. Professional version: After you log in to the professional version of China Merchants Bank, you can check the credit report by clicking "All-in-one Card → Account Management → Personal Credit Report Inquiry", which is more convenient.
Warm reminder: ①The card queried must have been associated with the professional version at the counter.
②The credit report printed through the professional version query does not have a seal.
③Personal credit report inquiry, according to the requirements of the Credit Reference Center of the People's Bank of China, requires a personal electronic certificate to be inquired. If the customer is using the professional version to log in by scanning the QR code, the scenarios are divided into two types: one is with Certificate, one is without certificate, only those with certificates can query. If not, customers need to apply for a digital certificate first, activate the personal credit report query protocol, and then log in by scanning the QR code to query.
3. Mobile banking: After logging in to mobile banking, click Home → City Services → Personal Credit Report, enter the verification code and email address to apply for inquiry. This function supports our card users (including all-in-one cards, credit cards, second-category accounts, and third-category accounts) to apply for and check personal credit reports after logging into the China Merchants Bank App. The query results will be returned within 24 hours, and a PDF online preview of the result report will be provided. It also provides the service of encrypting and compressing reports and sending them to email.
Features of online inquiry: Different from the full version of offline inquiry at credit information center outlets, the personal credit report through online inquiry is a simplified version, which can be used as a customer inquiry to understand their own credit information status.
After receiving the report by email, it is recommended that you download the zip file attached to the credit report to your computer, unzip the PDF file and then print it.
(Response time: May 7, 2021. For the latest business changes, please refer to the official website of China Merchants Bank)
How to check the credit report of China Merchants Bank credit card
If you want to check the credit report, you can go to the Credit Report Center of the People's Bank of China or you can print it at some banks now, such as the ICBC where you can print it yourself.
That’s it for the introduction of China Merchants Credit Card Credit Inquiry.