How to inquire personal credit information

How to inquire personal credit information

How to query personal credit information is very important for everyone, because many of them are related to personal credit information now. If the personal credit is not good, you may not be able to complete the relevant needs in time, such as personal loans, handling credit cards, ETC cards and so on.

How to query personal credit 1 1? Individuals hold the original ID card and its attachments to the counter of China People's Bank for on-site inquiry.

This query method is the simplest and fastest query method. We just need to bring the original and copy of our ID card to the counter to make an appointment. This inquiry method can show our credit information in the most detail, so if you have enough time, you'd better go to the bank counter to inquire, because we can also get the most authoritative personal credit report.

Second, through official website's credit inquiry.

Official website is also a more reliable and accurate way to query credit information. We just need to log in to official website, fill in the relevant information according to the relevant prompts, and then click Query. We just need to wait for the final query result. But if you query through the website, you must pay attention to why you say so. Now many criminals will use this method to cheat everyone's trust, and then bring more or less losses to everyone. Therefore, we must be cautious when using network query, and we must choose a safe network environment for query and use.

Three. Online banking inquiry of commercial banks

Another way to query personal credit is through the online banking of commercial banks, which is quite special. You need the online banking of a commercial bank, so if you happen to have the online banking of a commercial bank, you can inquire in this way, but I think the best way is through the counter of the People's Bank of China, which is the safest and most detailed personal information.

How to inquire about the convenience that personal credit 2 can bring to us?

0 1 loan convenience

People with good credit are more likely to get loans from banks. For banks and lending institutions, your credit information can be exchanged for money. The better the credit, the greater the amount. Personal credit investigation is the most important and main way to deal with loan business.

Personal credit report is a paper report that directly reflects personal credit. Handle mortgage, car loan, credit loan, mortgage loan, etc. You need to check your personal credit report. People with good credit, in addition to easier to apply for loans, often have higher loan quotas. Banks or other lending institutions will not lend if there is a bad record on personal credit information.

02 daily consumption

Credit card is indispensable for modern people at present, which can provide a lot of convenience in daily consumption and play. Many people may have more than one credit card, and now the bank's credit card application threshold is low. But this is only for users with good credit, and it is relatively easy to apply. If your credit is not good, this piece is basically "cold".

The deposit is free.

If your credit score is high enough, you can enjoy hotel reservation, book borrowing, car rental, mobile phone rental, digital products and other services, but also worry-free.

04 Travel Impact

If you are listed as a serious untrustworthy person, taking high-speed rail, aviation and other means of transportation will be restricted and it will be difficult to travel! Will greatly affect the quality of life.

What behaviors affect personal credit?

In addition to the newly joined online lending institutions evading debts, the following behaviors will also affect personal credit.

0 1 The credit card is overdue for three consecutive times (or six times in two years).

When approving mortgage loans, banks will refer to the number of overdue loans of individuals in the past two years. Under normal circumstances, it will be difficult for a couple to get a loan if they repay three times in a row or six times in two years.

If the cardholder forgets to repay, apply for timely repayment. Timely repayment means that the cardholder repays within three days after the latest repayment date, which can be counted as timely repayment, and will not be recorded in the personal credit record after the deadline.

When the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank to apply for cancellation of the overdue record. It is also feasible, provided that the quantity is not too large.

Monthly payment is overdue for 2 to 3 months or not paid back.

If there is an agreed grace period in the contract, no overdue fine will be deducted; After the payment is overdue, explain the situation with the loan bank in time; One or two short-term overdue will not affect the credit history; Many overdue loans may be collected by banks and bad credit will be recorded.

The monthly payment of car loan is overdue or has not been paid for 2 to 3 months.

Judging from the current situation, if the car loan is overdue, the consequences will gradually increase with the increase of overdue time.

If you apply for a loan directly from the bank and don't repay it, your personal credit record will be affected, and poor credit information will directly affect the borrower's future application for a loan.

If the interest rate of overdue loans is raised, it will still be paid according to the original amount.

The so-called expected annualized interest rate of overdue bank loans is the expected annualized interest rate generated after banks borrowed money but did not repay it at that time.

Generally speaking, if the repayment period is exceeded, a penalty interest shall be charged according to the expected annualized interest rate of overdue loans of banks, so as to urge borrowers to keep their promises.

05 credit card overdraft consumption, mortgage loan, not timely repayment.

Many people have met the requirements of increasing the credit limit because they often swipe their cards and repay on time. Many cardholders often spend too much because of increasing the credit limit, and finally their inability to repay affects their credit records.

Therefore, whether to increase the quota should be done according to one's ability. If you temporarily increase the quota, you must consult the bank about increasing the quota, increasing the term and repayment method, so as to avoid unnecessary troubles caused by overdue repayment.

When providing a guarantee for a third party, the third party fails to repay the loan on time.

If the person you guarantee runs away without repayment, as a guarantor, you have to bear joint liability, which is equivalent to adding a credit stain to you. Therefore, you must be careful when you vouch for others. Don't think that you just sign your name.

Economic disputes such as debt will also affect credit records.

If you owe money and don't pay it back, or even go to court, the court will record it on your personal credit report. So, friends who owe money, pay them back quickly!

Water, electricity and gas charges were not paid on time.

Water, electricity, gas, garbage, property and telephone charges are all included in the credit records of the central bank in many areas. These small things may be included in the scope of "official credit investigation" and affect your personal credit.

09 personal credit card arbitrage behavior.

Credit card arbitrage has always been prohibited by banks. It can be said that the risk index is as high as five stars! Sometimes, cardholders cash out because they have a weak legal awareness and don't know the consequences, and some people brazenly take advantage of the loopholes in bank management to cash out in large amounts. Once these acts are discovered by the bank, they will be reduced in amount or severely banned, and in serious cases, they may even be investigated for criminal responsibility!

No matter how you use it, it is an illegal act suspected of false trading. For the sake of your good credit record, you'd better avoid it. Setting it is illegal!

10 student loan is in arrears.

Student loan is an important measure for the state to increase financial assistance to students from poor families in colleges and universities, and it is the best way for students from poor families to obtain funds.

Borrowing students do not need to apply for loan guarantee or mortgage, and they do not need to pay loan interest during their school days. They only need to repay the principal on time every month, and they have already obtained the greatest support and preferential treatment from the state for borrowers.

However, if the borrower defaults or defaults after graduation or work, it will inevitably affect the personal credit report. Moreover, if an individual is maliciously defaulting on the loan, he will definitely miss the mortgage and car loan in the future, and those who are seriously in arrears will also bear legal responsibility!

In addition, it should be noted that students' interest during school is fully subsidized by the state, but if you still don't pay off the loan after graduation, you have to pay off the interest yourself. If we ignore this problem because we don't understand the student loan policy, and eventually lead to overdue phenomenon, it will not be worth the candle.

1 1 The mobile phone charge is linked to the bank card, and the monthly rent is overdue after the mobile phone is stopped.

Since most mobile phone numbers are now registered by real name, the information about the arrears of mobile phones is online. There are special provisions on loans for people with a history of cell phone arrears, and lending institutions will also issue housing loans to these people cautiously, because this involves a person's credit problem.

These are some behaviors that affect personal credit. I hope you can pay more attention to them in your daily life.