Too frequent credit inquiry will affect personal credit behavior. Although the major banks do not clearly stipulate the frequency of credit inquiry, it is best not to inquire more than three times a month, and do not inquire if it is unnecessary.
Because every inquiry will leave a record on the personal credit report, it is easy for banks to feel that personal credit is not good.
Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation.
The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.
The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged.
It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.
Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people.
Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who once dominated China's commerce for hundreds of years, were able to rise to the peak, one of which was to establish the business philosophy of "honesty-oriented".
I want to check my credit several times a month. It doesn't matter.
Too frequent credit inquiry will affect personal credit behavior. Although major banks do not stipulate the frequency of credit inquiry, it is best not to inquire more than three times a month, and do not inquire if it is unnecessary, because each inquiry will leave a record on the personal credit report, which will easily make banks feel that their personal credit is not good.
In addition, the personal debt ratio, loan and credit card usage in the personal credit report are the main factors that affect personal credit, so we must ensure that the data is normal.
For more information, you can check it several times a month. It doesn't matter. Go to: See more.
How many times can I check the credit information a month?
It doesn't matter if you check it three times in a month.
If users inquire about credit information too frequently, it will affect users' personal credit loan behavior. Although the major banks have no clear regulations on the frequency of credit inquiry, it is best for users to inquire about credit information no more than three times in a month. If there is no need to inquire about credit information, then don't run the inquiry, because every inquiry will leave a record on the user's personal credit information report, which will easily make the bank think that the user's personal credit information is not good.
Check the credit information at most several times a month.
1. There is no limit to the number of queries on the credit report. At present, the central bank provides free inquiries twice a year, and then charges 25 yuan for each inquiry.
2. However, the credit information will record who inquired when and why, and the independent inquiry has little effect. If it is inquired by others or institutions too many times, it will have a negative impact as one of the basis for banks to judge the credit status. Some professionals say that too many "hard questions" will have an impact on applying for bank loans. The so-called "hard inquiry" refers to the inquiry records generated by the audit of customers' financing applications, such as credit card approval and loan approval.
3. Generally speaking, for a period of time, personal credit reports have been inquired by different institutions due to loans, credit card approval and other reasons, but the credit report shows that users have not been successfully approved for new loans or successfully applied for credit cards during this period. Then, the bank has reason to speculate that the user's financial situation is not good, the repayment ability is worrying, and the user's loan application is rejected.
4. official website, the central bank's credit information center, also showed that if the credit information report was inquired by different banks for many times due to loans, credit card approval and other reasons within a period of time, but the records in the credit information report showed that no new loans or credit cards were obtained during this period, it may indicate that the information subject applied for loans or credit cards from many banks but failed, and such information may have an adverse impact on subsequent related applications.
For more information, check it several times a month at most. Go to: See more.