Will China Bank Youth E-Loan Produce Credit Records?

I have checked the e-loan quota many times in my pocket life, but I haven't really applied for a loan. Will there be an inquiry record in my credit record?

In this case, unless the loan is successful or there is a loan record, there will be no record in the personal report.

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises.

Behavior that easily leads to personal credit stain:

In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report.

If I owe taxes, civil judgments, enforcement, administrative penalties or telecom arrears, I will show them in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.

Extended data:

Personal credit information is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information:

1. Personal basic information that identifies an individual and reflects his family and occupation.

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers.

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions.

4. Public records related to personal credit of administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers.

5. Other information related to personal credit.

Baidu Encyclopedia-Credit Report

Baidu Encyclopedia-Personal Credit Survey

Excuse me, did you check your spouse's credit record when China Bank approved BOC E loan?

During the approval process, BOC E-Loan only inquires about your own credit information, not your spouse's credit information.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Will China Bank approve the E-loan Association of China Bank to inquire about the spouse's credit report?

Whether to check the spouse's credit report when BOC approves BOC e-loan;

During the examination and approval process, BOC E-Loan only inquires about the customer's own credit information, not the spouse's credit information.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.