The query channel is as follows: 1. Inquire through the loan bank: users can contact their own loan bank, which will provide online inquiry service, and only need to provide the loan account number and password to find their own loan information.

2. Inquire through the central bank's credit information system: online loans with credit information can print personal credit information reports at the People's Bank with their ID cards, and credit cards and loans with credit information can be inquired on them.

3. Inquire through the private credit information system: You can check the blacklist and overdue records at a glance on the "Kayouxin" of WeChat, and you can also detect the personal risk value.