1. Inquire about personal credit reports on the Internet personal credit service platform of the Credit Information Center of the People's Bank of China (you can also bring your ID card to the local people's bank for inquiry), and inquire about big data on the third-party data platform. If there is a loan, it will naturally be recorded in the personal credit report/big data (loans from banks and licensed consumer financial institutions will generally be recorded in the credit report, and small loans without access to the credit report will generally be recorded in the big data).
2. Check whether there are loan success messages and repayment reminder messages sent by banks or other financial institutions; Ching-tae and you can go to the mailbox to see if there is any mail containing the bill. If there is, it naturally means that there is a loan in the customer's name.
3. Check the loan records on the mobile banking client of each bank and the personal account page of APP of each loan platform on the mobile phone.
4. Call the hotlines of several banks that have business contacts at present, and directly ask the customer service staff whether there is a loan under their name.