1. Bring my ID card to the outlet of China People's Bank and find the credit inquiry window for inquiry. You can check it twice a year for free, otherwise you need to pay for it.
2. Public places or banks in the city are equipped with self-service inquiry terminals for personal credit information, and users can carry ID cards for inquiry.
3. Users can also register and log in on the website of China People's Bank Center.
4. Some online loans are not creditable. If you want to know about the loan situation, you can log in to official website, download the APP or contact customer service.
Information that can be queried:
1. Loan information query: loan account number, IOU number, repaid period, accumulated repaid principal, repaid interest, remaining periods and remaining principal.
2. Query the repayment details by date (year, month and day, repayment amount).
3. Inquire about the next repayment (loan account number, loan receipt number, amount and date).
Precautions for online lending:
1. No deposit is required.
Formal online lending institutions have strict loan approval procedures. Even if the lender is not required to provide collateral, it is necessary to review the lender's credit history, income, work or business situation and other information, and there are strict restrictions on the loan amount and loan term. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle.
2. Reasonable selection of loan amount and term.
The size of the loan depends on the financial needs of the individual. Under this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure. As for the loan term, the longer the loan term, the higher the interest rate and the greater the interest burden of the borrower.
3. Repay on time
When personal economic difficulties occur, the borrower should take the initiative to negotiate with the bank and apply for extending the repayment period, that is, extending the repayment period or changing the repayment method, and must not delay repayment and lose credit.