How to check personal credit record
You can print it through the "Credit Information Center of the People's Bank of China-Personal Credit Information Service Platform", which is open to customers nationwide, website: 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;
After receiving the report in your email, it is recommended that You download the credit report attachment zip file to your computer, unzip the PDF file and print it.
(Response time: February 20, 2021. For the latest business changes, please refer to the official website of China Merchants Bank)
How to query credit card records A brief introduction to the method of querying credit card records
According to the two results of applying for a credit card, the query methods are different:
1. The credit card application is not approved
The application record will not be displayed on the credit report. It will only show that a bank has recently inquired about the applicant's credit report. This is a bank inquiry record.
2. After the credit card application is approved and the card is issued
You can check all the credit card accounts under the cardholder's name in the personal credit record, including the limit and whether there are any overdue repayment records, etc. .
The steps to check personal credit report and credit card application records are as follows:
1. Search for "Credit Report" on the web page and find the website of the Credit Information Center of the People's Bank of China. Then click to enter.
2. After entering, find the "Internet Personal Credit Information Service Platform" and click to enter.
3. After entering, find "Start Now" and click to enter.
4. After entering the login interface, enter the user name, password and verification code, and click Login.
5. After logging in successfully, enter the personal account page, check the credit report under the application credit information column, and click to obtain the dynamic password.
6. Enter the mobile phone dynamic password and click Submit.
7. After receiving the identity verification code, enter the obtain credit information page, check the personal credit report, enter the identity verification code, and click Submit.
8. After submission, just check the credit record on the credit report page.
How to check personal credit records? Introduction to online query methods
At present, the national unified personal credit information basic database established by the People's Bank of China organized by commercial banks has been officially launched. Your relevant credit information has been is entered into this database and becomes part of your credit history. You can bring your valid ID to the credit reporting department of the local branch of the People's Bank of China or log on to the official credit reporting website of the People's Bank of China to check your personal credit report.
The online query method for personal credit records is as follows:
1. Go to the homepage and click on the Internet Personal Credit Information Service Platform.
2. After entering, click login, fill in the login name and password, and click login.
3. Perform identity verification. Users who choose the bank card, digital certificate or mobile finance IC card verification method can obtain the verification results in real time; if they choose the question verification method, they will receive the verification results via text message 24 hours after submitting the application. If you fail identity verification multiple times, you can use other verification methods or go to the local People's Bank of China branch to check your credit report on-site.
4. Submit an inquiry application. The platform provides three product services: personal credit information reminders, personal credit information summaries, and personal credit reports. The personal credit information prompt prompts the registered user in one sentence whether there is an overdue record in the personal credit system in the past five years; the personal credit information summary shows the registered user a summary of his or her personal credit status, including credit records and company records. and summary information of inquiry records; personal credit report displays the basic situation of personal credit information for registered users, including detailed information of credit records, partial corporate records and inquiry records.
5. Get query results. After the credit information product is processed (usually on the second day after the inquiry application is successfully submitted), the platform will send a text message containing the identity verification code to the user. Users can log in to the platform and use the identity verification code to view the query results within 7 days of receiving the identity verification code.
How to check bad credit card records
After several years of rapid development, credit cards have gradually been recognized by society, the card usage environment is improving day by day, and using credit cards for consumption is no longer a matter of "having money". It has become a widely used payment method in society. When you open your wallet, many urbanites can easily pull out more than one credit card. From traveling abroad, buying a house and car, to shopping in shopping malls, dining and entertainment, these thin PVC cards are quietly changing the consumption concepts of Chinese people. "With one card in hand, I have the world." Accompanying this well-known advertising slogan, the number of credit cards issued in my country has reached 100 million. However, some citizens want to enjoy the pleasure of swiping their cards for consumption, but are unwilling to assume the obligation to repay. The bad credit card record inquiry is just a wake-up call for us. Reasonable consumption is the importance of credit cards. After "crazy" consumption, don't forget to conduct a credit card record inquiry. Want to know if you have any personal bad records?
How to check bad credit card records? What documents are needed to check bad credit card records?
If you lend it, you will have to pay it back sooner or later. Swiping your credit card is quick and easy and can be addictive. 28-year-old Miss Wang, a native of Guangzhou, is a fashionista and loves shopping. She and her good friends go shopping in major shopping malls every weekend. Every time she goes out, Miss Wang sees fashionable and novel things, and she will never stop shopping. Buy with hesitation. In early 2009, Ms. Chen and three of her colleagues went to a bank to apply for a credit card. A month later, the other two colleagues' credit cards had already been received, but Ms. Chen's credit card had not yet arrived. After some consultation, she learned that her application was rejected because of her bad credit record. Ms. Wang regrets it endlessly. If she had consciously conducted a check on bad credit card records, the embarrassing situation at this time would not have occurred.
Did you know that the earlier you check your bad credit card record, the sooner you will be free from "card slavery". The less damage will be done to your future credit, and you will avoid the dilemma of bank debt collection. "Many people are careless and think that there is no big problem in overdue repayment. Some people are greedy for the gifts or discounts provided by the bank and apply for multiple credit cards without activating them. As a result, they do not realize that they owe the annual fee.
Only when your application for a new credit card is rejected, or when you need to pay a higher expected annualized interest rate for a home loan, will you regret it. Please check your bad credit card records as soon as possible. When a citizen makes a loan with a bank and makes late repayment or fails to repay as agreed, the bank will submit the relevant information to the People's Bank of China, and the People's Bank of China will write the above behavior into the citizen's personal credit record.
How to check the bad records of bank personal credit cards? Are there two main methods?
1. When an individual applies for a housing loan in our bank, the personal credit record of the loan customer will be automatically investigated. If you want to inquire individually.
2. Go to the People's Bank of China and apply to check your "Personal Credit Record Report". The report will list all your credit card, loan and other information. On-site inquiries are conducted at the counters of corresponding branches. Before the People’s Bank of China issues charging details, it is now free to inquire personal credit records.
To inquire about bad credit card records, you must bring your original and copy of your ID card to the People’s Bank of China to handle it in person. Generally, the results can be printed out on the spot.
How to check the personal credit record of your credit card
Hello, the online query process for the personal credit report is: First, you need to log in to the personal credit information service of the Credit Information Center of the People's Bank of China. Platform official website. Register an account and apply for verification. After passing the application, the platform will send an activation code via SMS based on the mobile phone used by the user when registering. Users need to log in to the platform within seven days, use the activation code to activate the user, and then use various query services. It is recommended that you with good credit use the Baidu Youqianhua app. Baidu Youqianhua allows you to repay in installments and applies purely online without any mortgage. You can also repay in advance, and after repayment, the amount can be restored and you can borrow money on a recurring basis. You can repay on time according to Baidu Money Spending bill. Click below on your mobile phone to take your measurement now!
This answer is provided by Youqianhua. I hope it will be helpful to you. As a credit brand under Duxiaoman Finance (formerly Baidu Finance), Youqianhua provides users with convenient, fast and secure Internet credit services. Click below on the mobile phone to measure the amount immediately. The maximum loan amount you can borrow is 200,000.
How to check personal credit record
How to check personal credit record:
1. First, log in to the central bank’s credit reporting system ().
Second, if you are a new user and need to register and log in, after logging in, click "Apply for Credit Information" in "Credit Services" on the left.
Third, choose the verification method, which are question verification, bank card verification, and digital certificate verification. Choose according to your needs.
Four. After completing the verification, you will be prompted to check the results of your personal credit record after 24 hours.
5. Log in to the credit reporting system again after 24 hours, and then enter the identity verification code to check the results.
"Cybersecurity Law of the People's Republic of China"
Article 41: Network operators must follow the principles of legality, legitimacy and necessity when collecting and using personal information. Publicly disclose the collection and use rules, clearly state the purpose, method and scope of collecting and using information, and obtain the consent of the persons being collected.
Article 42 Network operators shall not leak, tamper with, or damage the personal information they collect and shall not provide personal information to others without the consent of the person being collected. However, this does not apply to cases where a specific individual cannot be identified after processing and cannot be restored.
Article 44: No individual or organization may steal or obtain personal information in other illegal ways, and may not illegally sell or illegally provide personal information to others.
Article 1034 of the "People's Republic of China and Civil Code" stipulates that the personal information of natural persons is protected by law.
Personal information is a variety of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including the natural person's name, date of birth, ID number, biometric information, address, Phone number, email address, health information, whereabouts information, etc.
For private information in personal information, the provisions on privacy rights shall apply; if there are no provisions, the provisions on the protection of personal information shall apply. except.
This concludes the introduction to credit card integrity record inquiry and bank card credit record inquiry. Have you found the information you need?