Do you have an ID card to check the credit?

You can check your credit if you have an ID card, but only if you have your own ID card, because offline inquiry means brushing your face. Here are three ways to query credit information.

First, query methods There are currently three types of query methods.

The first is to go to the offline institutions of the People's Bank of China (credit center) or bank outlets with credit inquiry machines. Just bring your ID card. The second way is to register relevant information through official website, the Credit Information Center of China People's Bank, and apply online. You can download the extraction code sent by your mobile phone the next day. The third is to query through the APP of commercial banks, but there are fewer banks that have opened this function at present. Choosing the first one is to print the paper version for free, and it is more detailed than the other two query versions, so the first query method is recommended first.

? Second, there are still problems. Judging from the inquiry situation in various places, there are two outstanding problems in the inquiry of personal credit report at present. One is that the deployment of self-service inquiry machine is difficult to meet the actual demand. Although the branches of the People's Bank of China deployed 3,600 self-service inquiry machines at the main inquiry outlets in 2065 and 438+2008, the number of inquiry machines is still insufficient in the face of the growing self-service inquiry demand of the public and the reality of China's vast territory and large population.

Moreover, it should be noted that there is still some imbalance in the distribution area of self-service inquiry machines, especially in remote and underdeveloped areas, which is difficult to meet the demand of the public for independent inquiry nearby. The other is that there are fewer agency inquiry outlets. At present, many local individuals can only go to the branches of the People's Bank of China to inquire about credit reports independently. In the case of a relatively small number of branches of the People's Bank of China, on the one hand, some citizens have to travel long distances to reach the site when inquiring, on the other hand, customers are prone to long queues during the peak hours of inquiry, which is very inconvenient.

In order to protect the public's right to know personal information as much as possible, the credit management department of the People's Bank of China has continuously improved its service, and the personal credit report inquiry channel has formed an online and offline linkage mode, and the public can make inquiries through physical outlets, self-service equipment, online inquiry, etc. However, it has to be pointed out that, in the face of the growing demand for inquiry from all parts of the country and industries, more and more people expect the convenience of credit report inquiry to be further improved.