Enter official website, find the personal credit information service platform, register and log in, click the credit information service to apply for credit information, and follow the instructions on the page.
2. Personal online banking inquiry
Banks that offer online banking inquiry services include: China's four major commercial banks, Bank of Communications, China Merchants Bank, China CITIC Bank, Shanghai Pudong Development Bank, China Guangfa Bank, China Bohai Bank, Ping An Bank and China Everbright Bank. After logging in, find the credit service on the loan page and authorize the inquiry.
3. Inquire through the offline personal credit report self-service machine
If you need to bring your ID card, you can go to a branch of the local People's Bank or a pilot commercial bank, as long as the bank branch has a credit inquiry machine.
Related instructions after the query
1. If the account status is cancelled or settled, it means that it is not owed, but this loan record is kept.
2. If the account status is normal and the current overdue amount is 0 yuan, it also means that there is no arrears, but the account has not been closed, or it is in use but the repayment is not overdue.
3. If there are 10 accounts in the name, and the current overdue amount under five accounts is not 0 yuan, this is the total amount of online loan funds that you owe, that is, the arrears to be paid.