Banks with consolidated accounts of the China Merchants Bank: China Merchants Bank, Shanghai Pudong Development Bank, China Minsheng Bank (consolidated by currency), Hua Xia Bank, Ping An Bank, Bank of Beijing, Bank of Shanghai

Banks with non-consolidated accounts of the China News & Press: Industrial and Commercial Bank of China Bank Agricultural Bank of China Bank of China Construction Bank China CITIC Bank China Guangfa Bank Bank of Communications Industrial Bank Postal Savings Bank China Everbright Bank Standard Chartered Bank Citibank HSBC You can be aware of it.

If you are a bank that consolidates the Hong Kong Economic Times account, and you want to apply for a few more credit cards, you only need to pay attention to the annual fees when you have more cards. Of course, you don’t have to open a card for the purpose of collecting cards~

As for banks that have not merged with China Economic and Daily News, when applying for a card, we have to consider whether we really need this card, or apply for other cards after getting other cards. Pay attention to the order and rhythm of card application to avoid too many accounts. How will it affect us in applying for other good cards in the future?

The full name of "Credit Report" is "Credit Report", which is divided into personal credit report and corporate credit report. The "Credit Report" often discussed by card friends refers specifically to personal credit report.

Personal credit reports generally include three parts:

1. Basic personal information, including name, certificate type and number, mailing address, contact information, marital status, residence information, Career information, etc.;

2. Credit transaction information, including credit card information, loan information, and other credit information;

3. Other information, such as personal provident fund, pension information, etc.

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Therefore, banks especially like to check credit reports when approving credit cards - everything they want to know is clear at a glance. Currently, the simplified version of the credit report can be checked online, while the detailed version needs to be checked at the local central bank.

PART2: Credit Card Account

For cardholders, the most important content in the credit report is the number of credit card accounts. The number of accounts refers to the total number of accounts of all credit cards in your hand. Generally, one credit card and one currency will generate an account number in the credit report.

When applying for a credit card, in order to understand the personal credit situation (mainly to understand the income and repayment ability), the bank's reviewers will check the applicant's credit report through the central bank, and the number of accounts in the credit report It is a very important reference basis. If you have many credit cards on hand (reflected in your credit report as too many accounts), your application may fail.

As mentioned earlier, generally a single single-currency credit card corresponds to an account. This account generation method is very disadvantageous to the cardholder. The most extreme example is ICBC's multi-currency credit card. With a credit card in hand, I can have a credit report account. (11 currencies, 9 accounts)

The merger of China Securities Journal and Economic Times is the conscience of the bank. Multiple credit cards from the same bank will only show one or two accounts (usually RMB accounts and US dollar accounts) on the People's Bank of China credit report. The best example is China Merchants Bank: no matter how many credit cards you apply for at CMB, the credit report will show at most two accounts, RMB and USD. This is true for a few cards, and it is true for hundreds of cards. As a result, China Merchants Bank cardholders gradually had more and more cards, including Weibo card, young card, GQ card, and One Piece card