How to check credit information without a credit card
You can check credit information without a credit card, and handling a credit card and checking credit information are two different things. However, when you apply for a credit card, you will check your personal credit information. In normal times, you can go to commercial banks, branches of the People's Bank of China and official website, the Credit Information Center of the People's Bank of China, and users can choose one.
when inquiring in official website, the credit information center of the People's Bank of China, you must register first and then inquire, and you will not be charged any fees when inquiring, and there is no limit on the number of inquiries. However, I suggest that you don't often inquire about personal credit information, otherwise it will have an adverse impact on individuals. Usually, the more times you inquire, the more debts the bank thinks users have.
Personal credit information records personal basic information, bank credit transaction information, credit inquiry history and other information. This information financial institution is enjoyed by * * *. As long as there is a default record in one company, other financial institutions can see it when inquiring about credit information. This is why it is necessary to ensure a good credit information record.
If there are bad records in the personal credit report, we should deal with them quickly. Generally, they will be kept for 5 years after treatment, and will disappear automatically after 5 years. If the bad credit record is not handled all the time, it will affect users to apply for loans or credit cards, and this record will never disappear and will always be in the credit report.
You can check if you haven't done it.
Do you have a credit report if you haven't done a credit card?
If you haven't done a credit card, you have a credit report.
if you don't have a credit card, you can check the credit record, and it has nothing to do with whether you have a credit card.
the information in the personal credit report mainly includes six aspects: the verification results of the identity information of the Ministry of Public Security, personal basic information, bank credit transaction information, non-bank credit information, personal statements and objections, and historical information.
individual's right to know as the subject of credit report. According to the Regulation on the Administration of Credit Information Industry, individuals have the right to obtain their credit reports twice a year for free.
Credit investigation records personal credit behaviors in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are often referred to as "credit records". Until 212, there was not a single law and regulation in China's current legal system to provide a direct basis for credit investigation.
In October 29, the State Council Legislative Affairs Office published the Regulation on Credit Information Management (Draft for Comment) in full, soliciting opinions from all walks of life on the regulation on credit information management.
The meeting deliberated and adopted the Regulations on the Administration of Credit Information Industry (Draft). The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has developed from scratch, and its role has become increasingly apparent, and the credit information market has begun to take shape.
The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates strict market access conditions and corresponding examination and approval procedures for credit reporting institutions engaged in personal credit reporting business, defines the scope and behavior norms of credit reporting institutions for collecting, storing and providing credit information, and clarifies the rights of information subjects
Credit reporting activities are generated from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including monetary lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.
the essence of credit is a kind of creditor-debtor relationship, that is, the grantor (creditor) believes that the trustee (debtor) has the repayment ability, and agrees to the future repayment promise made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and the whole world, it will be extremely difficult for one party to know the credit status of the other party.
do I need a credit card to check my personal credit? Look at the inquiry method
Many people will need to apply for credit cards and loans, so it is necessary to check their credit reports and know their credit status before applying. However, many people are not clear about the way of credit inquiry and the information they need. For example, some people ask if they want a credit card for credit inquiry, so let's analyze it here.
do I need a credit card to check my personal credit?
There are two types of personal credit inquiry: online inquiry and on-site inquiry, with different inquiry methods and required information:
1. On-site inquiry:
You can inquire at local central bank outlets or designated commercial bank outlets where you can inquire about credit information. In addition to your own inquiry, you can also have others to inquire on your behalf, and the required information is different.
if you are inquiring by yourself, you need to provide the original and one copy of your valid ID card, and fill out the Application Form for Personal Credit Report Inquiry; Others need to provide the original valid ID cards of the principal and the agent, the notarized certificate of authorization, and fill in the application form for credit inquiry.
2. Online inquiry:
That is, the inquiry is made in official website, the Credit Information Center of the People's Bank of China. This kind of inquiry can only be made by myself, and no information is required. However, you have to register your account and authenticate your identity before you can submit an inquiry application. When inquiring, you have to choose authentication methods, including digital certificate verification, bank card verification, mobile financial IC card verification and problem verification.
if you choose a bank card for verification, you can choose an existing credit card, which will automatically jump to the online banking page and enter relevant information of the credit card, including name, certificate type, certificate number and mobile phone number for verification.
It can be seen that you don't necessarily need a credit card to check personal credit information, depending on the inquiry method you choose. It should be reminded that on-site inquiry is a detailed version of credit investigation, which can produce the results on the same day and print the credit report; Online inquiry is a short version of credit information, which can't produce the results in real time. Generally, you will get a short message notice the next day, and then log on to the website to get the results before you can view it.
how can I check my credit report if I haven't applied for a credit card?
I can check my personal credit report in the following four ways: counter inquiry, self-service inquiry, online banking inquiry of commercial banks and internet inquiry. , counter inquiries \ Need to bring: the original and photocopy of my valid ID card; Application Form for Personal Credit Report Inquiry. \ Counter inquiry is limited to my own inquiry. Valid documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the Mainland, Taiwan Province compatriots' pass to and from the Mainland, and foreigner's residence permit. Self-service inquiry \ I need to bring my second-generation ID card for self-service inquiry. \ Self-service inquiry of personal credit report business is limited to me, and each version can only be inquired once a day. \ The self-service inquiry machine can only recognize the second-generation ID card. You can use other valid ID cards to inquire at the counter. , online banking inquiry of commercial banks \ If you hold the online banking U shield of Bank of Beijing, you can log in to the online banking of Bank of Beijing to apply for personal credit report inquiry. Internet inquiry \ Log on to the website of personal credit report inquiry, and after successful registration and activation, you can inquire about the credit report.
This concludes the introduction of how to check credit information without a credit card and which bank doesn't check credit information with a credit card. Did you find the information you need?