The civil service exam does not check the bank credit, but has a loan record. As long as it is not the kind of person who often fails to pay it back within the time limit and is sued to the court in bad faith, it will affect the political review. Next, I will explain it to you from two aspects: the inquiry method and whether there is a problem with the credit information.

First, the query method

At present, there are three query methods. The first way is to go to the offline institution (credit center) of the People's Bank of China or a bank outlet with a credit inquiry machine. Just bring your ID card. The second way is to register relevant information through official website, the Credit Information Center of China People's Bank, and apply online. You can download the extraction code sent by your mobile phone the next day. The third way is to query through the APP of commercial banks, but there are few banks that have opened this function at present.

Choosing the first one is to print the paper version for free, and it is more detailed than the other two query versions, so the first query method is recommended first.

Second, how to see if there is a problem with credit reporting?

Banks see if there are any problems with your credit information, mainly in the following aspects:

(a) whether there is overdue.

Credit information will clearly show whether you are overdue, how many overdue periods and how much overdue. If some loan banks see that your credit card is overdue for only one or two days and the amount is only a few tens, they will be lenient. If it is other long-term overdue and the amount is large, it will basically be blacklisted by the bank. Only by eliminating the five-year record can they hope to apply for a loan again in a banking institution.

(2) Whether to apply for an excess loan.

When the bank approves the loan, it will calculate your limit according to the current loan shown on the credit report. If you have more loans on your credit report than the assets you provide, then you may also be rejected by the bank.

(3) Check whether there are many records.

Some people often apply for online loans, credit cards, etc. And whether it passes the audit or not, it will leave an inquiry record on its own credit information, and banks also attach great importance to this record. Banks will think that they have applied for such loans in large quantities, that you are short of money and will refuse your loan request.