How to check the credit reference center in the bank

1.

Personal credit card holders can go to the bank to inquire

there are three ways of credit investigation:

1. carry ID cards to the credit investigation centers of central banks for on-site inquiry

2. through some bank ATMs or websites

3. log in to the website of the central bank credit reference center, register and submit the application for inquiry

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what is recorded in the personal credit report:

1. the records in the personal credit report are mainly the records of loans, overe credit cards or overdraft of quasi credit cards for more than 60 days in the past five years

2. the summary of personal credit records, public information and the inquired records of credit investigation reports in recent two years. Generally, the inquired records will show the reasons, methods and times of inquiry of institutions. In addition, there are credit records, public records and inquired records

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credit record printing:

1. you need to take the original ID card and a to the credit reference center of the people's Bank of China for inquiry and printing, and some banks in Beijing have launched a self-service credit report inquiry machine

2. in addition, according to the current regulations, it is free for indivials to inquire personal credit reports twice a year, and a service fee of 25 yuan will be charged for the third time or more

2. There are four ways to query personal credit report: counter query, self-service query, commercial bank online banking query and Internet query
1. For counter inquiry, you need to bring: the original and of your valid ID card Personal credit report application form
counter inquiry is limited to personal inquiry. Valid certificates include: ID card, officer's card, soldier's card, passport, Hong Kong and Macao residents' travel permit to the mainland, Taiwan compatriots' travel permit to the mainland, foreigner's residence permit, etc
2. Self service query
I need to bring my second generation ID card for self-service query
self service query of personal credit report business is only for myself, and can only query each version once a day
the self-service inquiry machine can only identify the second generation ID card, and you can use other valid ID cards to inquire at the counter
3. Online banking query 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 query
4. Internet query
log in to personal credit report query website https://ipcrs.pbccrc.org.cn After successful registration and activation, you can query the credit report.

3.

Personal credit can go to the bank to check, you can take my ID card to the central bank credit reference center for on-site inquiry. At the same time, we can also query personal credit on the Internet

the steps of online credit inquiry are as follows:

1. search personal credit on the Internet and click to enter the credit information center of the people's Bank of China

   

4.

Common commercial banks and the people's Bank of China can check their credit

taking Beijing as an example, citizens need to bring their original ID card and two copies to room 810, Henghua International Building, No. 26, Yuetan North Street, Xicheng District, which is the Beijing Branch of the credit reference center of the people's Bank of China

when a commercial bank reviews a credit application, it can see your credit report, but it must be authorized by you in writing

if you are already a loan customer of a commercial bank or hold its credit card, the commercial bank can also read your credit report without your written authorization. You can also provide it to other organizations according to your own wishes

extended information:

materials to be prepared for credit investigation:

I. If I apply for credit report inquiry, I need to prepare the following materials

1. The original and of my valid ID card, and keep a of my valid ID card for future reference

2. Truthfully fill in the application form for personal credit report inquiry

Second, if the personal credit report is inquired by others, the following materials should be prepared.

1

2

3. The agent should truthfully fill in the personal credit report inquiry application form

5.

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6. You can try to log in the website of the credit reference center of the people's Bank of China to query the credit report. There will be card handling information in the credit report (the credit report is not updated in real time, and the information will be delayed to a certain extent, so it is recommended to query at irregular intervals); If there are CMB's savings card and professional version, at present, personal credit report can also be inquired through some counters and professional version of CMB (no charge temporarily).

7.

Common commercial banks and the people's Bank of China can check their credit

taking Beijing as an example, citizens need to bring their original ID card and two copies to room 810, Henghua International Building, No. 26, Yuetan North Street, Xicheng District, which is the Beijing Branch of the credit reference center of the people's Bank of China

when a commercial bank reviews a credit application, it can see your credit report, but it must be authorized by you in writing

if you are already a loan customer of a commercial bank or hold its credit card, the commercial bank can also read your credit report without your written authorization. It can also be provided to other institutions according to their own wishes

extended data:

pay attention to the following points in personal credit investigation:

1. Return the credit card in time. If you don't pay off the bill, even if you cancel the credit card, it's useless. It will still be in your bad credit

Credit card overe, mortgage and other loans should be paid off in time, and those overe will be recorded. If they are overe for more than 90 days, it will be more harmful to your personal credit. When the bank assesses your personal credit, the score is lower

Do not guarantee others! If others don't pay back the money, it will also affect your personal credit. So, don't think that if you can't use money, you can guarantee others. If others run away, you should be responsible! Whether there is overe or not will be listed clearly in the table below