How to check overdue records of credit cards

The inquiry of overdue records of credit cards is as follows:

1. Individuals who want to check overdue records of credit cards can log on to the website of Credit Information Center of China People's Bank, register and submit an application for inquiry;

2. You can call the central bank's credit information centers around the country to inquire;

3. Bring your ID card directly to the local credit information center for inquiry;

4. The subject of personal information has the right to obtain my credit report twice a year for free.

Article 17 of the Regulations on the Administration of Credit Information Industry

Information subjects can inquire their own information from credit information agencies. The subject of personal information has the right to obtain my credit report twice a year for free.

article 18

when inquiring about personal information from a credit reporting agency, the written consent of the information subject shall be obtained and the use shall be agreed. However, unless the law stipulates that it can be inquired without consent.

credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.

article 19

if a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.

how to inquire about the overdue detailed records of personal bank credit cards?

1. Inquiring method of personal credit records

You can inquire at the local branches and credit information sub-centers of the People's Bank of China.

2. Information needed for personal credit record inquiry

I need to inquire in person or authorize others to inquire at the site. At that time, it is enough to bring the original and photocopy of my valid identity document, and the photocopy should be left to the inquiry institution for future reference. Personal valid identity 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. In addition, when inquiring, you need to fill in the personal credit report inquiry application form truthfully.

There are two main ways to query:

First, log on to the website of the Credit Information Center of the People's Bank of China and register as required to query;

Second, individuals can also go to the local branches and credit information sub-centers of the People's Bank of China.

when inquiring about personal credit report, you can bring the original and photocopy of your valid identity certificate, and the photocopy should be left to the inquiry institution for future reference. At the time of inquiry, it is also necessary to truthfully fill in the personal credit report and my inquiry application form.

how to check whether the credit card is overdue

In addition to penalty interest, the overdue record will be uploaded to the credit information system of the People's Bank of China, which will have an impact on daily life in the future. The following is the method of inquiring about overdue credit cards, taking China Construction Bank as an example.

1. online banking inquiry: log in to personal online banking, and in the credit card column, the system will automatically identify overdue customers and prompt customers that their current credit cards are overdue.

2. website inquiry: customers can log in to the credit card center of CCB for inquiry. If the credit card is overdue, there will be this article on the homepage of the website to remind customers.

3. mobile APP query: log in to the mobile banking APP, click+in the upper right corner, and select message-account manager to check whether there is overdue push information. You can also check the specific overdue time, overdue amount and other information in the transaction details.

For more information about how to check whether a credit card is overdue, go to: See more contents

This is the end of the introduction about how to check the overdue credit card and how to check the principal and interest of the overdue credit card. Did you find the information you need?