The easiest way to find out how many credit cards you have handled is to check the personal credit report, because all credit cards handled by users, no matter which bank, are recorded in the credit report.
Methods of credit inquiry:
1. Offline inquiry: Users can carry their ID cards and go to the local business outlets of China Bank for inquiry. Some commercial banks also have the business of inquiring about credit information, depending on the actual situation of local banks.
2. Online inquiry: Step 1, Baidu browser opens official website, Credit Information Center of China People's Bank, and clicks "Internet Personal Credit Information Service Platform".
Step 2: Enter the Credit Information Center, click Login, or start immediately.
Step 3: If it is the first time to use it, you need to register with the real-name registration system. Click Register, and you need to enter your real name, ID card, mobile phone number and other information to register. Remember the password and user name.
Step 4, apply for credit service on the left and choose the verification method; There are three verification methods: bank card, digital certificate and question verification. Then click "Next". Submit an application to complete registration.
Step 5: When prompted, click "Get UnionPay Verification Code". After the authentication is passed, there will be SMS notification if there is any result.
Step 6, log in to the personal credit center, enter the bank card information from the pop-up webpage and complete the verification to obtain the verification code. Enter the verification code and authentication code. Click Submit.
Step 7: Inquire about personal credit records as follows.
Users should not casually inquire about personal credit information, because every inquiry will be recorded in the credit information report. If there are too many inquiries, the subsequent loan processing will be affected. Because every time I go to the bank to check, I feel that I owe money.
If users apply for more credit cards and usually use fewer cards, it is best to cancel all the extra ones. Because the credit card may have an annual fee if it is not used for a long time, it will be overdue if it is not returned in time, and it will lead to poor credit reporting after it is returned after the time limit.
The information recorded in the credit report includes personal basic information, credit transactions, inquiry times, etc. These information financial institutions are shared. As long as there is a default record in one financial institution, other financial institutions can see it when inquiring about credit, which is why we should ensure a good credit record.
Version information: Take Baidu 13.8 version, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.
How do I check whether I have applied for a credit card?
Please call the customer service phone of the bank's special credit card and ask the customer service to check whether there is a credit card in their name.
Once you are suspected of being impersonated to apply for a credit card, you can call the customer service hotline of the corresponding bank credit card center and ask for manual service confirmation. You can take your ID card to the local business outlets of the People's Bank of China and print your personal credit report. Because there will be credit card details on the credit report.
Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers.
Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Product category:
1. According to different card issuers, it can be divided into bank cards and non-bank cards.
2. According to different card issuers, it can be divided into corporate cards and personal cards.
3. According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards.
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards.
According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 36
The card face of a credit card should fully disclose the following basic information to the cardholder: the legal person name of the issuing bank, brand identification and anti-counterfeiting mark, card type (credit card, debit card, quasi-credit card, etc. ), the cardholder's name pinyin (mbth), expiration date, cardholder's signature, security check code, precautions, customer service phone number and bank website.
Article 37
The credit card application materials printed by the issuing bank shall at least include the following elements:
(1) Applicant information: number, applicant's name, valid ID name, ID number, company name, company address, residential address, billing address, contact number, contact name, contact phone number, contact verification information and other verification information;
(2) Contract information: contract (agreement), articles of association of credit card, important tips, notification method of contract information change, etc.
(3) Expense information: main expense items and expense levels, inquiry channels of expense information, notification methods of expense information changes, etc. ;
(4) Other information: the credit card held by the applicant and its credit line, the applicant's statement, the applicant's confirmation column and signature column, the issuing bank's service telephone number and bank website, complaint channels, etc.
How to check the progress of credit card processing?
As we all know, individuals who have reached the age of 18~65, have full capacity for civil conduct, have a legal and stable source of income and have a good credit status can apply for credit cards. However, whether the card can be successfully handled in the end depends on the number of people. Judging from many card gods, these five types of people are more likely to apply for credit cards.
When banks approve credit cards, they will score according to the qualifications of the applicants. The higher the score, the easier it is to approve the card. Applicants who generally meet the following characteristics will not get much lower scores.
First, there is a sustained and stable income.
In other words, job stability. Whether the job is stable and whether there is income can reflect the applicant's repayment ability from the side. However, banks have different views on the stability of this income.
For example, the four major state-owned banks, for them, the objects of stable work are generally employees of public institutions or state-owned enterprises, or employees of top 500 enterprises. These people's jobs are quite stable, their income is higher than that of ordinary people, and their repayment ability should not be underestimated.
But for joint-stock commercial banks, as long as they have jobs and income, working for more than three months is equivalent to stability. For the applicant's work unit, it is generally not picky, as long as it is not a high-risk occupational practitioner, it is still relatively easy to get rid of the card.
2. Have a large time deposit in the bank.
People who have more than 50,000 rated deposits in the bank are generally high-quality customers of the bank. In the eyes of banks, such people have deposits and do not have to worry about repayment ability. In addition to actively applying for a credit card, such people will be invited by the bank to apply for a card.
Therefore, if you want to apply for a bank's credit card, it is also a common practice to open an account in that bank to save money to buy wealth management products.
Third, college students and other highly educated groups.
In fact, China Merchants Bank was the first to open the credit card market for college students. At least 20 10 years ago, when college students first came into contact with credit cards, only China Merchants Bank and China Construction Bank granted them cards.
Therefore, if you are a college student, it is generally better to apply for credit cards from these two banks.
Fourth, banks have mortgages.
If you have a mortgage in any bank, it is easy to apply for a credit card from another bank, with a minimum amount of 1 10,000. If you want to get a credit card from the four major state-owned banks, you can try this method.
Some card friends reported that they applied for a mortgage in CCB, applied for a CCB credit card online and got a gold card with a limit of 10000.
Of course, these four situations may not all apply for a credit card. This is just a common situation.
If you want to apply for a credit card soon, the second of the three situations is most likely to meet the requirements. As for how much deposit each bank needs, it is suggested that it be more than 50,000. After all, deposit banks under 50,000 don't care.
How to inquire about the credit card processing progress of China Bank?
You can check the progress of credit card APPlication through China Bank Credit Card WeChat official account, colorful life app, customer service hotline and other channels. If there is no audit result or card for a long time, it is recommended to call the customer service hotline.
The above contents are for your reference. Please refer to the actual business regulations.
I did it at the bank. How to check whether the credit card has been successfully processed?
When applying for a credit card, you can check the progress of card application through various channels, including but not limited to online inquiry, telephone inquiry and going to outlets, but the first two methods are the most convenient and quick.
1. It's intuitive to check the progress online. Many banks can check the progress through WeChat official account or official website. Open the page of viewing progress in any way, enter the ID card and mobile phone number reserved when handling the card to obtain the verification code, and click Query to view the progress of handling the card. If the card is displayed, it means that the card has been successfully completed.
2. Like telephone inquiry, it is generally necessary to use the mobile phone number reserved when handling the card, dial the service hotline of the card bank, and enter the corresponding key number according to the voice prompt for inquiry; Or directly transfer to manual customer service, report your ID number when you apply for the card, and ask the customer service to help you check.
Note that it is not always possible to check the progress in time after the credit card application is submitted. It is best to check the credit card suggestions of online application within 3 days after application, and the results will usually be available within 7 working days. Whether it is passed or not, the applicant will receive a short message from the bank.
If the credit card has passed the first online application, it is necessary to prepare for a face-to-face interview, which is the most critical step in the credit card application. If the face-to-face signing is successful, the card is truly successful. Otherwise, even if the card has been approved but the face-to-face signing fails, the credit card is still invalid and the card will not be activated.
This concludes the introduction on how to check the credit card processing and how to check whether the credit card processing is successful. I wonder if you found the information you need from it?