2. Online inquiry: use ID card and mobile phone to register users in official website, the personal credit service platform of the Credit Information Center of the People's Bank of China; Submit the query application again, and you can see the query results the next day.
3. Local inquiry: Bring my ID card to the credit management center of the local people's bank to print my credit report, which will indicate how many cards the applicant has applied for. Is there any card overdraft? How much is the bank loan? It's all recorded
Expand knowledge:
Development course: Since 1970s, due to the rapid development of science and technology, especially the application of electronic computers, the application scope of bank cards has been expanding. Not only has the circulation of cash and checks been reduced, but the banking business has also undergone fundamental changes because it has broken through the limitations of time and space. The application of bank card automatic settlement system will make the arrival of "no check, no cash society" become a reality soon.
The 20-year development of China's bank card industry can be roughly divided into four stages:
1985 to the early 1990s, is the initial stage.
From the early 1990s to the beginning of 1996, the bank card business was independently developed for branches in large and medium-sized cities. At this stage, the Gold Card Project started.
From 1997 to 200 1 at the end of the year, China bank cards gradually realized the general stage of networking.
Since 200 1, it has been a stage of in-depth development of bank card networking in China, and the number of bank cards issued by various banking institutions in China has increased rapidly.
Yang Zaiping, full-time vice president of China Banking Association, said that by the end of the first quarter of 20 10, the number of cards issued nationwide had reached 21690,000, up by 14.9% year-on-year. The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption. By the end of 20 1 1, the cumulative number of bank cards issued exceeded 2.85 billion, up by 18% year-on-year. Credit card consumption exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for more than 40% of the total retail sales of consumer goods, an increase of about 6 percentage points over 20 10. 20 1 1 year, there are more than 35,000 convenience payment outlets, 47,000 directly connected merchants and 2 10000 POS machines in secondary cities, reaching 15 16000 respectively.
In the whole year, 2.2 trillion yuan and 860 million interbank transactions were realized, accounting for 47.4% and 52% of the national interbank transactions respectively, and the contribution of transaction amount increased by 2.4 percentage points compared with the beginning of the year.
China UnionPay and commercial banks jointly launched the Rich Farmers Card, which has been issued in 28 institutions in 28 provinces across the country, with an annual card issuance of more than 5 million, becoming a new platform for serving agriculture, rural areas and farmers.
reduction of interest
20 12 the State Council agreed to the "draft regulations on the administration of credit information industry", which will be fully implemented on February 25th, 20 13, and the overall fee for credit card swiping will be reduced by 23% to 24%.
20 13 the people's bank of China recently issued the measures for the administration of bank card acquiring business, hereinafter referred to as the measures. The Measures clarify the connotation of bank card acquiring business and the scope of application of the Measures, comprehensively standardize the risk management of acquiring institutions in terms of qualification examination, business inspection, transaction monitoring, information security and fund settlement, and put forward strict regulatory requirements.
Change card core
The core of the bank card is changed because the track information of the traditional magnetic stripe card is easy to be copied, which has security risks. In contrast, the chip card has key encryption technology, and the encrypted information is generated randomly. Wang Yu, a senior risk expert of China UnionPay, said that at present, there is no actual case of fake card fraud caused by copying chip bank cards in the world.
Before 20 14, 10 and 3 1, all card-issuing banks and acquiring institutions will close the function of using the magnetic stripe card in the chip magnetic stripe composite card in domestic POS channels and only use the chip for transactions; From 20 15, banks stopped issuing magnetic stripe cards and only issued chip cards.
Generate expenses
The data shows that there are nearly 3.4 billion magnetic stripe cards in the market that need to be replaced, and the cost of each chip card is about 10 yuan, and the replacement cost is tens of billions. The industry believes that the charging standard for changing the "core" needs further regulation by the regulatory authorities. In the process of replacing magnetic stripe cards with chip cards, some banks will charge consumers a certain cost, which will cause heated discussion in society. In this regard, China Consumers Association believes that bank cards should be replaced at their own expense. At present, the fees charged by banks for replacement cards are the same. Banks such as ICBC and Minsheng change IC cards for free, while other banks generally charge1from 0 yuan to 20 yuan. Some banks also claim that the highest charge for card replacement is 40 yuan.
ICBC is free of charge, and the card opening numbers such as 95888, 622208, 62 127 can be changed.
China Agricultural Bank has the highest 40 yuan. The first IC card is free before the end of the year, and the cost of non-first IC cards is reduced by 80%.
Bank of China is the highest in 5 yuan, and there is no charge for replacing chip cards with magnetic stripe cards on March 3rd1. The new card charges 5 yuan. You don't need to change the number at the beginning of 6, and you need to change the number at the beginning of 4.
China Construction Bank is the highest in 40 yuan, so it costs no money to change the card at the Beijing branch, and the number is not guaranteed. The card number at the beginning of 6 can be exchanged with the card number, and the card number at the beginning of 4 cannot be guaranteed. The production cost is not uniform in practice, but in fact, most cards are replaced with the same card number, and no production cost is charged.
The Bank of Communications has the highest 20 yuan, and the replacement of ordinary cards and the opening of new ordinary IC cards require 20 yuan handling fees; Ward cards, Bank of Communications financial cards, salary cards, senior salary cards, annual gold cards and other replacement or new chip cards are free. When changing cards, cards with 17 digits cannot keep their numbers, and cards with 19 digits can keep their numbers.
China Merchants Bank Max 10 yuan. There is no charge for replacing gold cards and above, and there is no charge for replacing ordinary cards M+ cards in Beijing. Different outlets will have corresponding fee reduction policies, such as deposit 1000 yuan at the time of card opening. Changing the card cannot guarantee the number.
The highest fees charged by CITIC Bank are 20 yuan, Puka 20 yuan, Gold Card 10 yuan, and Platinum Card and above. Changing the card cannot guarantee the number.
Minsheng Bank is free, and the card replacement fee before July 2065438+2005 is free. UnionPay debit cards, such as ordinary cards, gold cards, diamond cards, business cards, children's cards, salary cards and wealth management cards, can all change their insurance numbers. However, the UnionPay postal wealth management card does not support changing IC cards.
Binding service
Judging from the contract signed between the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change of the original contract. We should reach an agreement with consumers to minimize the adverse effects on consumers. The bank's card changing behavior will cause many inconveniences to consumers, such as time-consuming and laborious, and the original binding transaction needs to be readjusted due to the change of card number. In line with the principle of customer first, banks try to upgrade by changing cards instead of numbers.
It should be reminded that although many banks have launched the service of "changing the core without changing the number", it is only for some bank cards and customer groups. A number of banks reminded that the card number will be changed at the same time as the card is changed. What the public should pay attention to is that some businesses previously bound by bank cards need to be re-handled, such as water, electricity, gas, mortgage, car loan and other withholding businesses, as well as bound credit card accounts, Alipay accounts and securities accounts. All must be reprocessed at the first time.
Foreign capital participation
On April 22nd, 20 15, Li Keqiang, Premier of the State Council of the People's Republic of China signed and approved the State Council's Decision on Implementing Access Management of Bank Card Clearing Institutions, which will take effect on June 22nd, 20 15. Implementing access management and orderly regulation of bank card clearing market is an important measure to expand financial opening and deepen financial reform.
The decision requires that those who engage in bank card clearing business in China shall obtain a bank card clearing business license according to law and become a bank card clearing institution. It was decided to authorize the People's Bank of China to work with the China Banking Regulatory Commission to formulate detailed rules for the implementation of administrative licensing conditions and procedures, as well as relevant prudential supervision and management measures, and implement supervision and management according to the division of labor to prevent systematic risks in bank card clearing business.
The Decision puts forward clear access requirements for bank card clearing institutions in terms of registered capital, investors, bank card clearing standard system, infrastructure, directors and senior managers, and internal control system management, and divides the application procedure into two stages: preparation and opening. The applicant shall apply to the People's Bank of China, and the People's Bank of China shall make a decision of approval or disapproval after seeking the consent of the China Banking Regulatory Commission.
The Decision puts forward business management requirements from the aspects of bank card clearing brand, unrestricted competition, infrastructure operation and business processing, information confidentiality and information processing, so as to maintain the security, efficiency and stability of bank card clearing business.
Full public liquidation
On June 1 2005, the Decision on Implementing the Access Management of Bank Card Clearing Institutions issued by the State Council came into effect. China bank card clearing market will be fully opened. International card organizations, domestic third-party payment institutions, banks and other qualified domestic and foreign institutions can participate in China's bank card clearing market.
The magnetic stripe transaction has ended.
From May 1 2007, our bank will completely close the magnetic stripe transaction of the chip magnetic stripe composite card.
On August 3rd, 2020, China UnionPay United Commercial Bank, mainstream mobile phone manufacturers, key cooperative merchants and payment institutions released the first digital bank card "UnionPay Unbounded Card", which realized the whole process of digital card application and fast card collection, providing cardholders with a new generation of payment experience.
Relevant laws and regulations
2065438+February 2, 2009 65438+Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards in 2009 were adopted by the Judicial Committee of the Supreme People's Court at its1785th meeting, and came into effect on May 25, 2002/kloc-0. The "Regulations" clarify that the people's court supports cardholders to request the issuing bank to return the principal and interest of stolen deposits or overdrafts, liquidated damages and compensation for losses based on the legal relationship between debit cards and credit card contracts; At the same time, it does not support the issuing bank to require credit card holders to repay overdraft principal and interest, liquidated damages, etc.