At present, the inquiry method of personal credit card report or personal credit record in China is generally through the credit information system of the local people's bank. If credit card holders want to check their credit records, they can do so in the following ways: Main contents of personal credit report: At present, the main information of personal credit report includes personal basic information: 1. Personal basic information 1. Personal identification information. Residential information 3. Career information II. Credit transaction information (1). Credit summary information 1. Bank credit summary information II. Credit card summary information 3. Loan summary information 4. Summary information of loan guarantee for others (2) Credit details information 1. Credit card details 2. Personal loan guarantee details 3. Personal settlement account information. Personal housing provident fund information The most important thing in the personal credit report is to record the repayment of credit cards and loans of users in the last 24 months. If there is a bad credit record, the number "1~7" will appear on the form, corresponding to the number of overdue repayments.
Second, how to inquire about the details of commercial loans?
1, counter inquiry, you can bring your ID card and loan contract number to the counter of the loan bank to inquire, or you can find a staff member at the outlet to print the loan repayment details and repayment plan.
2. Online banking inquiry: you can log in to online banking to inquire about personal loan items and repayment details. However, online banking is needed. It is recommended that you also use online banking when applying for a mortgage.
3. Can I check the details of commercial loans online?
The answer is as follows:
The details of commercial mortgage loans are all in the computer system of the loan bank, but not online. If necessary, you can bring the loan contract and your ID card to the loan bank for enquiry.
If you tell me your loan amount, service life, contract interest rate (including discount) and the first repayment date, I can make one for you. If the data is accurate, the calculation accuracy is consistent with that of the bank.
Fourth, how to query loan records
Method for querying loan records: 1. Inquire about loan records through the website of personal credit service platform (). Log in to the personal credit information service platform first, then click "Apply for Credit Information" under "Information Service", click "Get Dynamic Code", enter the dynamic code and click "Submit", and enter the received identity verification code 24 hours later to view the personal loan record. 2. Check the loan records at the bank that handles the loan. Loan repayment method: (1) equal principal and interest repayment method: equal monthly repayment, repayment of the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. (5) Repay all the loans in advance: that is, the borrower. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.