Can Ping An Bank check personal credit report? How does it work?

Personal credit report.

It is by the Credit Information Center of the People's Bank of China.

If issued, citizens may bring their original and photocopies of valid identity documents to the local branches of the People's Bank of China for inquiries. It's important to note that individuals can get their own credit report for free twice a year.

Version model: Apple 12 ios4 Ping An Bank.

Extended Information:1Personal credit report is a necessary link in the credit approval process of financial institutions.

If there is any bad information, the bank may require the customer to provide a mortgage or guarantee, or reduce the loan amount, increase the loan interest rate, or even refuse to issue a loan or apply for a credit card. In addition, the scope of application of personal credit reports is constantly expanding, and it is now also playing a role in the integration of points, employment, study, going abroad, recruitment and promotion of civil servants, and evaluation of excellence. According to the "Regulations on the Administration of the Credit Reporting Industry", the period for credit reporting establishments to provide negative information to individuals is 5 years from the date on which the negative conduct or incident is terminated; Where it has been more than 5 years, and there are no negative credit reporting records during that period, they may be deleted.

2.For consumers to know their credit status. Maintaining fair competition:

User registration is made through the official ** of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China. At present, the People's Bank of China's credit information system has a network of basic personal credit information databases covering all parts of the country, and the social version does not display the names of other lending banks or credit granting institutions other than the inquiry institutions, but should provide the original valid identity documents of the person for inspection, personal version, no matter in the credit transaction information, administrative reward and punishment records, court proceedings, and compulsory enforcement.

Recording. Social insurance.

Record, the next day you can get the inquiry results and electronic version of the report, mainly display the credit information and public information of the information subject, this version shows your credit remittance total information, applicants can go to the local People's Bank of China branch to inquire: individuals inquire to the nearest People's Bank of China to inquire about credit reports, tax arrears records. Second, the information contained varies.

From Monday to Friday, you can check the credit information system and the credit information system of the People's Bank of China.

There are three main versions of a personal credit report.

Each person has 2 free personal credit inquiries per year.

opportunities. Three. One; The purpose of submitting an application for personal credit report inquiry is to protect trade secrets, mainly including personal practice qualification records, and at the same time fill in the "Personal Credit Report Personal Inquiry Application Form", and the People's Bank of China does not work on weekends

For consumers to open stock indices**.

Account and inquiry point inquiry, you need to go to the People's Bank of China to go to the Tianyuan branch of Ping An Bank generally will not make a credit report to the outside world, online inquiry:1. Including personal version and personal detail version, housing provident fund record and credit transaction record, and keep a copy of a valid identity document for future reference

It is mainly for commercial banks to inquire and bank versions, respectively: in accordance with the provisions of the "Basic Financial Credit Information Database Personal Credit Report Inquiry Business Procedures".

Ping An Bank. You can check your personal credit report, which many people don't know, and you only need to log in to Ping An Bank's mobile banking.

APP can be queried, the operation is very convenient, there is no APP first, log in with the mobile phone number left when opening a card in Ping An Bank, at present, all regions of the country can use Ping An Bank APP to check personal credit reports.

Ping An Bank can inquire about personal credit reports, personal credit reports can be directly inquired in Ping An Bank's mobile phone APP, or if the person inquiring has a debit card of the pilot bank, you can also use the Youdun issued by the bank to log in to the online banking query, but generally choose the mobile phone app of the card bank for inquiry, and some people choose "People's Bank of China Credit Information Center" this ** for inquiry.

Credit report inquiry can first choose the Internet inquiry, this method is the way chosen by many people, the inquirer logs in to the "People's Bank of China Credit Information Center"**, click on the core business, you can see the option of "Internet Personal Credit Information Service Platform Inquiry", click it; The second is to use the mobile app of the bank that opened the card, and the Ping An Bank app can provide the function of personal credit report inquiry, which only needs to be in the application market**.

The second channel is to go to the local People's Bank of China's business outlets, but offline inquiries are only available twice a year for free.

The above is my reply to you, I hope it can help you, do you have any other questions? I can answer them all for you.

If not, could you please give me a thumbs up? Thank you!

I wish you a speedy solution to the problem and a happy life!

You can go directly to the local People's Bank of China Credit Information Center service hall to check personal credit records.

2. Prepare relevant items, such as ID card, bank card used when you have credit with the bank, some cash, etc. After that, bring these relevant items to the local People's Bank of China Credit Information Center service hall.

3. In the service hall of the Credit Information Center of the People's Bank of China, select any counter and submit an application to the counter service staff to inquire about personal credit records. Usually, when checking personal credit records at the Credit Information Center of the People's Bank of China, there are two opportunities for free inquiry every year. After using up these two free opportunities, a service fee of 25 yuan will be charged for each query.

4. After receiving the inquiry application, the counter service staff will ask the applicant to show his ID card and other materials. After the applicant gives the ID card to the counter service staff, the counter service staff will swipe the ID card on the card reader and enter the identity information into the system for matching verification.

5. After the matching verification is completed, the personal credit record will be displayed on the computer screen. Applicants can ask the counter service staff for the relevant credit information they want to know, or they can ask the counter service staff to help print a complete personal credit record report.

In addition to directly going to the service hall of the People's Bank of China Credit Information Center for inquiry, you can also check personal credit records on the official website of the People's Bank of China Credit Information Center.

1. First open the official ** of the Credit Information Center of the People's Bank of China, and find the "Core Business" module in the middle of the **.

2. Find "Internet Personal Credit Information Service Platform" in the core business module, and then click "Start Now" to log in. After logging in, select the information you want to inquire about and the object to be queried, and fill in your personal information. After filling in the personal information, click the "Send Verification Code" icon to receive the SMS verification code on the bound mobile phone.

After that, enter the verification code in the SMS into the verification code filling area for verification.

3. After successful verification, the inquirer will receive a "query code" given by the credit information center within 72 hours. Use the "inquiry code" to check your personal credit record.

Operating Environment: Browser.

Ping An Bank does not have its own credit record, he also went to the Bank of China to inquire, all the bank credit check is in the Bank of China, personal credit is all there, and this can not be modified, of course, you have a strong relationship is different.

If you authorize him, he can check it, for example, if you apply for a credit card, a loan, or something like that, you need to obtain credit information, and you need to authorize it.

No!

Only go to your local People's Bank of China credit information center to check your personal credit report!

Controversy Hello Friends! Credit will be checked. I'm borrowing with new waves, and it's good.

At present, China's credit system is divided into two parts, one is the central bank's credit system, and the other is the local credit system, both of which are department-led. In these two credit systems, the central bank's credit system is mainly referenced. However, even the credit information system of the central bank is very imperfect, only the credit card and bank loan information of the person being queried.

Need. The Interim Measures for the Administration of Personal Loans have corresponding provisions on it:

Article 11 The following conditions shall be met for the application of personal loans:

1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or a foreign natural person who complies with the relevant provisions of the State;

2) The purpose of the loan is clear and legitimate;

3) The amount, term and currency of the loan application are reasonable;

4) The borrower has a good credit status and no major bad credit records;

After accepting the borrower's loan application, the lender shall perform due diligence duties, investigate and verify the authenticity, accuracy and completeness of the content of the personal loan application and related circumstances, and form an investigation and evaluation opinion.

There are three ways to check the credit report:

Bring your ID card to the credit information center of the central bank to conduct on-site inquiry;

Inquiries through some bank ATMs or **;

Log in to the Central Bank Credit Information Center**, register and submit an application for inquiry.

Credit Record Printing:

You need to take the original ID card and a copy to the People's Bank of China Credit Information Center for inquiry and printing, and individual banks in Beijing have also launched self-service credit report inquiry machines;

In addition, according to the current regulations, the first two inquiries of an individual's credit report are free of charge each year, and a service fee of 25 yuan will be charged for each third or more inquiries.

What is recorded in the credit report:

The personal credit report mainly records the overdue records of loans, credit cards or quasi-credit card overdrafts of more than 60 days in the last five years;

A summary of personal credit records, public information and credit report inquiries in the last two years, the inquiry records will generally show the reasons for the institution, through what methods, the number of inquiries, etc., in addition to credit records, public records and inquiries and other contents.

Summary. OK. As a national bank, Ping An Bank can provide credit reporting services.

You need to go to the counter of Ping An Bank or log in to their official ** to apply, provide relevant personal information and complete the application process according to the process to obtain the credit report. Although the specific application process may vary depending on the region and individual circumstances, Ping An Bank will do its best to provide relevant assistance and support to customers.

OK. As a national bank, Ping An Bank can provide credit reporting services. You need to go to the counter of Ping An Bank or log in to their official ** to apply, provide relevant personal information and complete the application process according to the process to obtain the credit report.

Although the specific application process may vary from region to region and individual circumstances, Ping Pei Dan Bank will do its best to provide relevant assistance and support to its customers.

Fellow, I really didn't understand, I can be more specific.

Ping An Bank can provide credit reporting services. You can go to the counter or log in to the official ** to apply, and you can get the report by providing your personal information according to the process. The application process may vary depending on the region and individual circumstances, but Ping An Bank will do its best to provide support and assistance.