What does ICBC mean by checking letters?

ICBC's credit investigation is a loan business that inquires about personal credit reports at ICBC and decides whether to approve or not according to the results of the credit reports. Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status, and it is the basic product of personal credit information basic database. In order to make the structure clear, the content of the credit report is divided into multiple parts according to different information categories, each part is a segment, and each segment is further divided into multiple sub-segments. Personal credit report consists of the name and content of the credit report. The contents of the credit report include the header of the credit report, the theme of the credit report and the description of the credit report.

First, personal credit records query method:

1. You can go to the local branches and credit information sub-centers of the People's Bank of China for enquiry.

2. The information required for personal credit record inquiry needs to be inquired by myself or authorized by others on site. At that time, it is enough to bring the original and photocopy of my valid ID card, and leave the photocopy to the inquiry institution for future reference. Personal valid identity documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. In addition, when inquiring, you need to fill in the "Personal Credit Report Inquiry Application Form" truthfully.

3. Personal credit record inquiry fee Personal credit report inquiry is a service provided by the Credit Information Center of China People's Bank on 1.4.8. In principle, a certain fee should be charged, but it is not charged at present.

2. What does the credit report include?

1. Basic information: record personal identity information, residence information, occupation information and other basic information;

2. Credit investigation: In short, it is the information about personal borrowing and repayment, such as the use records of loans and credit cards, which is the core information in the credit investigation report;

3. Non-financial liability information: information formed by consumption before payment, such as telecom payment;

4. Public information: social security accumulation fund information, court information, tax arrears information, administrative law enforcement information, etc.

5. Inquiry information: record the recent period, when and why who checked your credit report.

Third, how long is the credit card overdue?

1, within three days overdue: all banks will provide timely services for cardholders, and repayment within three days overdue is regarded as timely repayment. But in fact, the implementation of each bank is different. For example, the Agricultural Bank can only postpone repayment for two days, while the Construction Bank can automatically postpone repayment for five days. If you are not sure, you can call the customer service phone of the bank for consultation. As long as you repay within the grace period, it will not be included in the credit report and will not be deducted.

2. Overdue for more than three days: it will basically be included in the central bank's credit information system, and the bank will charge a late fee according to the standard, and charge a penalty interest at the daily interest rate of five ten thousandths. However, because the overdue time is relatively short, the impact on applying for loans or handling credit cards in the future is not so great.

3. Overdue for more than 90 days or accumulated for more than 6 times: your credit record will be seriously affected, and you will be added to the blacklist of financial institutions. You can't apply for loans and credit cards, and even traffic will be affected.