I am the account manager of the bank.
The main contents of credit inquiry are your name, ID number, work unit, household registration information (generally mainly household registration information after buying a house) and related personal credit information.
Personal credit information refers to what has happened and will not be recorded. Moreover, the recorded work unit information is generally the * * * enterprises and institutions that you pay the housing provident fund, and other enterprises and institutions will not record it. The bank has a personal protection list and will not publish personal credit information, so you can't find what you said.
In addition, your personal credit card application is rejected because of the bank's audit data. It may be that the personal income certificate or the salary of your work unit cannot support your application amount. Simply put, they think that your income may not be enough for your credit card overdraft limit.
The credit card focuses on three points when you do the information, one is your work unit, the other is your income certificate, and the third is that there is no bad credit record. Generally, there are more than five bad credit records, and our bank refuses to handle them. If you do well in these three aspects, there should be no problem.
Hope to adopt!
Please adopt it.
Will the bank find personal information when inquiring about personal credit information?
I am the account manager of the bank.
The main contents of credit inquiry are your name, ID number, work unit, household registration information (generally mainly household registration information after buying a house) and related personal credit information.
Personal credit information refers to what has happened and will not be recorded. Moreover, the recorded work unit information is generally the * * * enterprises and institutions that you pay the housing provident fund, and other enterprises and institutions will not record it. The bank has a personal protection list and will not publish personal credit information, so you can't find what you said.
In addition, your personal credit card application is rejected because of the bank's audit data. It may be that the personal income certificate or the salary of your work unit cannot support your application amount. Simply put, they think that your income may not be enough for your credit card overdraft limit.
The credit card focuses on three points when you do the information, one is your work unit, the other is your income certificate, and the third is that there is no bad credit record. Generally, there are more than five bad credit records, and our bank refuses to handle them. If you do well in these three aspects, there should be no problem.
Hope to adopt!
What are the contents of personal credit inquiry system?
? Personal credit online inquiry is very convenient now. (1) Personal Basic Information Personal Identity Information. Personal identity information refers to information that can reflect personal identity, facilitate identification and contact with individuals. The main provider and authoritative department of these indicators is the public security department, which is the most important basic information of individuals. This part * * * includes name, gender, nationality, date of birth, place of birth, household registration information, address information, communication information, marital status, spouse information, education information, certificate information and other information. (2) Credit card transaction information, as the second part of the credit index system, is an important information to record personal economic behavior and reflect personal solvency and willingness to pay debts. According to the Interim Measures for the Management of Personal Credit Database published by the People's Bank of China, personal credit transaction information refers to the transaction records formed by natural persons in personal loans, credit cards and other credit activities provided by commercial banks. In personal credit report, credit transaction information is divided into credit summary information and credit detail information. Covers the special transaction details of credit cards and loans, personal settlement account information, inquiry records and so on. ① Credit card information. Credit card information includes card type, guarantee method, currency, account opening date, credit line, * * * * credit line, maximum debt, overdraft balance, repayment amount this month, actual repayment amount this month, latest actual repayment date, current overdue period, current overdue amount and monthly repayment status records in the last 24 months. ② Loan information. Loan information includes loan type, guarantee method, proportion, account status, repayment frequency, repayment month, loan release date, loan maturity date, loan contract amount, monthly repayment status record and other items. At present, the sources of information inquired by personal credit information system are mainly financial institutions such as commercial banks, and the collected information includes personal basic information, credit information such as loans and guarantees in financial institutions. With the continuous development and improvement of the information system, the People's Bank of China has intensified its efforts to coordinate information sharing with relevant departments. In addition to personal credit information, the personal credit information system will also include personal basic identity information, civil case execution information, various social security fees and housing provident fund payment information, published tax arrears information, telecommunications and other public utilities payment information, personal education information, and basic professional information of accountants (lawyers) firms, certified public accountants (lawyers) and other special professional practitioners who have an impact on public interests.
Which bank can I find to solve the credit investigation?
There are two ways to check personal credit. In the past, I needed to bring my ID card to the bank credit information center for enquiry. Now many provinces and cities have gradually opened online inquiry channels, which will be more convenient.
field investigation
1 If it is an on-site inquiry, you can first determine the location of the local credit center. First, enter the Credit Information Center of the People's Bank of official website and China, which contains the contact information of credit information sub-centers and inquiry points of various provinces and cities.
Then take my ID card to the Credit Information Sub-center. Personal credit information inquiry is free for the time being. Generally speaking, it will be easier for me to bring my ID card to inquire, and it will be more troublesome for others to represent i query.
end
online query
The online query mode of 1 has been introduced before. Say it again here. First of all, we registered in official website, the Credit Information Center of the People's Bank of China, and clicked on the Internet personal credit information inquiry platform on the home page.
2 Fill in personal information registration, because credit information is more important, so the registration method is more complicated. There are two ways: question and answer and digital certificate. Question-and-answer is to confirm identity according to some problems arising from personal bank credit records, so some people can't use this method or can't get through. It is suggested to use the digital certificate mode, which means that the number of commercial banks supported is official. Insert Ukey and follow the prompts.
After registration, you need to verify your mobile phone number, just like many registrations, and then log in successfully and select a credit report for inquiry.
4 If you register a digital certificate, you will still use the digital certificate, and then select "Apply" to view the credit report. This page will generate a string to view the credit report. If you can't check the report in time, you need to use this string to extract it the next day.
5 The next time you open the page, enter the last recorded character in the position where the credit report string is extracted. Then you can check the credit report.
Can China People's Bank accept personal credit information anywhere?
Yes, all people's banks in China can check personal credit. The query method is as follows:
There are three ways to query credit information:
Bring your ID card to the local central bank credit information center for on-site inquiry;
Inquire through some bank ATMs or websites;
Log on to the website of the central bank's credit information center, register and submit an inquiry application.
Credit record printing:
It is necessary to take the original and photocopy of the ID card to the Credit Information Center of the People's Bank of China for inquiry and printing, and some banks in Beijing have also launched self-service credit information report inquiry machines;
In addition, according to the current regulations, it is free for individuals to inquire about personal credit reports twice a year, and a service fee will be charged for the third time and above, 25 yuan.
Contents recorded in the credit report:
Personal credit report mainly records the overdue records of loans, credit cards or quasi-credit cards overdrawn for more than 60 days in the last five years;
Summary of personal credit records, enterprise information and credit report inquiry records in recent two years. The inquired records generally show the reasons, methods and times of inquiry, as well as credit records, enterprise records and inquired records.
Where can I check personal credit records?
Take your ID card to the local people's bank. There is a department called "Credit Information Service Center". Then fill out a form called "Personal Credit Report Inquiry Application Form". It seems that you need a copy of your ID card. There seems to be some trouble. But I haven't heard of any charges.
What can the central bank's personal credit information system find?
Credit information is a report showing personal loans and credit cards. The detailed version includes personal information, address and social security. No criminal record
Where can I check personal credit information? Make a proof.
If your ID number belongs to Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi, Guangdong, Zhejiang, Tianjin, Xinjiang, Shanghai, Hubei and Qinghai, you can check your personal credit records through the personal credit information service platform of the People's Bank of China. If your ID number belongs to areas other than the above, you can apply for checking your personal credit records through the People's Bank of China or the branch of the People's Bank at a higher level (visit its website pbccrc to check the location of credit reports in various regions).
Can I call the People's Bank to check my personal credit?
No, the credit telephone service is only used for consulting business. To inquire about personal credit report, you must bring the original and copy of your ID card to the site.
Which institutions can inquire about personal credit information?
Banks and financial institutions registered in the People's Bank of China can check your credit. Other credit companies or your relatives and friends need your power of attorney, or you can follow them to check your credit history.