For personal credit inquiry in China Bank, the credit center will generally return the credit report to the user within 24 hours. Users can download or view the credit report through the mobile banking APP of Bank of China. The time of some outlets is different, depending on the actual time of seeing the credit report.
Bank of China is the longest-running bank in China. 19 12 was formally established in February, and has successively performed the functions of central bank, international exchange bank and specialized international trade bank. After 1949, it has been a national specialized foreign exchange and foreign trade bank for a long time, managing the national foreign exchange in a unified way and carrying out international trade settlement, remittance and other non-trade foreign exchange businesses. 1994 was reorganized into a wholly state-owned commercial bank, providing all kinds of financial services in an all-round way and developing into a large commercial bank with complete business types and strong strength. In 2006, it took the lead in successfully listing on the Hong Kong Stock Exchange and the Shanghai Stock Exchange, becoming the first "A+H" listed bank in China. China Bank is the only official banking partner of the 2008 Beijing Summer Olympic Games and the 2022 Beijing Winter Olympic Games, and the only "Ao Shuang Bank" in China. In 20 1 1 year, Bank of China ranked first among emerging economies and was selected as a global systemically important bank for1year in a row. Its international status, competitiveness and comprehensive strength rank in the forefront of the World Bank. Starting from 20021,with the launch of the "14th Five-Year Plan", China Bank will follow the pace of national development, embark on a new stage of its own reform and development, and start a new journey of building a world-class modern banking group in an all-round way.
Bank of China is the most globalized and integrated bank in China, with offices in 665,438+0 countries and regions in China mainland and overseas, and Bank of China Hong Kong and Macao Branch is the local note-issuing bank. China Bank has a relatively complete global service network, forming a comprehensive service platform with corporate finance, personal finance and financial market as its main business, covering investment banking, direct investment, securities, insurance, funds, aircraft leasing, asset management, financial technology, financial leasing and other fields, providing customers with all-round financial services.
What behavior will affect credit reporting?
Improper use of credit cards
If the credit card is overdue three times in a row or six times in two years, it will be reflected in the personal credit record, which will have a direct impact on applying for loans in the future. In addition, fraudulent use of other people's ID cards or copies of ID cards will result in credit card arrears records, and personal credit cards will be cashed out, which will affect personal credit information.
Personal liabilities
Student loans, mortgages, car loans and other loans are not repaid in time; When providing a guarantee for a third party, the third party fails to repay the loan on time (external guarantee is also a debt); If the loan interest rate is raised, the "monthly payment" or installment will still be paid according to the original amount, and overdue interest will affect personal credit information.
Personal credit information has been inquired many times.
No matter whether individuals inquire by themselves or authorize others to inquire, too many times of credit inquiry indicate that customers have great potential debt pressure and high potential risks.