When applying for a credit card, the handling bank of the credit card can inquire about the basic information of the cardholder's personal identity, personal credit information of the credit relationship between the individual and financial institutions and housing provident fund management center institutions, and apply for loan records and credit card records.

Public information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers. And other personal credit related information.

Extended data:

credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields.

In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Baidu Encyclopedia-Personal Credit Survey