You can ask your husband to go to the bank with his ID card.
You can also ask your husband to check in official website, the Credit Information Center of the People's Bank of China. After logging in to official website, my husband relies on his own identity information, and then enters the Internet credit information service platform to inquire about personal credit reports.
After the new version of credit information is launched, users' personal credit information records in five years can be viewed, including specific loan time, loan amount, repayment amount and remaining unpaid amount.
The Credit Information Center of China People's Bank is a public institution directly under the People's Bank of China. Its main task is to be responsible for the construction, operation and management of the enterprise and individual credit information system (also known as the enterprise and individual credit information basic database) according to the national laws and regulations and the rules of the People's Bank of China.
major duty
1, responsible for drafting the overall development plan of enterprise and individual credit information system construction and organizing its implementation.
2, responsible for the development of enterprise and personal credit system operation and maintenance management system.
3, responsible for the development of enterprise and personal credit information system business technical standards.
4, responsible for the construction, operation and maintenance of enterprise and personal credit information system.
5. Responsible for organizing technical coordination with commercial banks and related parties, and collecting credit information of enterprises and individuals.
6, responsible for summarizing and analyzing the data information in the enterprise and personal credit information system, timely submit the analysis report.
7. Responsible for providing corporate and personal credit information consulting services to commercial banks and related parties.
8, responsible for the organization of enterprises and individuals in the credit system in the operation of the dispute settlement.
9. Responsible for organizing the training of credit information of commercial banks and related parties.
10, responsible for the construction, operation and management of accounts receivable pledge registration publicity system.
1 1, responsible for the construction, operation and management of the financial lease registration and publicity system.
12. Other matters assigned by the leaders of the undertaking bank.
Construction background
With the deepening of economic marketization, it has become a social consensus to speed up the construction of credit information system for enterprises and individuals. The report of the 16th National Congress of the Communist Party of China clearly stated that it is necessary to "improve the social credit system of modern market economy",
The Third Plenary Session of the 16th CPC Central Committee clearly put forward that "the construction of enterprise and individual credit service system should be accelerated in the direction of improving laws and regulations, franchising, commercial operation and professional service."
The national financial work conference held in 2007 further proposed to comprehensively promote the construction of social credit system with the focus on the construction of credit information system. In order to further play the role of the People's Bank of China in the construction of social credit system, in 2008, the State Council adjusted the function of the People's Bank of China to "manage the credit reporting industry and promote the construction of social credit system".
According to the instructions of the CPC Central Committee and the State Council, the People's Bank of China has accelerated the construction of credit information system for enterprises and individuals. After several years' efforts, the national unified enterprise and individual credit information basic database led by the People's Bank of China has been initially established and has begun to play an active role in the economy and society.
How to check the husband's debt?
Legal analysis: check personal credit report with ID card.
Banks transmit personal loans, credit cards, guarantees and other debt information to the credit information system of the People's Bank of China. Credit report includes personal basic information, credit information (whether there are bank loans, overdue records, credit card overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ).
Individuals should bring the original and 1 copy of their valid identity documents, fill in the "Personal Credit Report Inquiry Application Form" at the inquiry outlets, and submit the inquiry application. For individuals who make inquiries for more than 3 times in that year, the staff will inform them that they need to pay the inquiry service fee, and the individual will decide whether to pay the inquiry voluntarily. The fee is paid in cash at first, and will be gradually increased as needed in the future.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.
Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the property before marriage shall be owned by themselves, wholly or partly, and partly.
Article 1089 At the time of divorce, husband and wife shall jointly pay off their debts. * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, it is up to the people to decide.
How to find out how much the husband owes the bank? This method can
In real life, there are often such examples. There is no frank confrontation between the two couples. My husband is in debt outside, but my wife doesn't know anything about it. She didn't know until the debt came. How to find out how much the husband owes the bank? The following methods can be considered.
Bank arrears
If you want to know how much your husband owes the bank, you just need to check his credit history, because the bank debt will be shown in the personal credit report. Both overdue records and repayment records will be displayed.
It is not difficult to check the husband's personal credit record. Just enter the password, ID card and other information in the mobile banking APP, and you can easily query. The results usually come out in a few hours. However, Bian Xiao suggested that you should not secretly check your husband's credit history, but should get the consent of the other party.
How to check the husband's loan in the bank?
You can take your husband's ID card to the bank to inquire about relevant information, but in fact, you can inquire by the following methods:
If you want to check your husband's loan record, you can see if there is a downloaded loan APP on the other party's mobile phone. If yes, you can click in to check the specific loan situation; You can also see if the other party's SMS has received the loan repayment related information notice from lending institutions and platforms.
In addition, if you know your husband's credit information login password, you can also directly log in to the Credit Information Center of official website-China People's Bank on the computer, enter your ID number and login password, log in to the Internet personal credit information service platform, check his credit information report, and see if the loan information is recorded in the report. Similarly, if you know the password of big data query, you can also check the other party's big data. However, when inquiring about the other party's credit information, we must pay attention to obtaining the other party's consent and not arbitrarily invading the privacy of others.
When checking loans, we should also pay attention to whether there is a record of secured loans. Being a guarantor also needs to bear certain risks. If it is a joint and several liability guarantee, if the borrower does not repay, the guarantor also needs to bear the repayment responsibility.
This is the end of the introduction on how to inquire about husband's credit card arrears and how to inquire about husband's credit card arrears records. I wonder if you have found the information you need?