In May, we reported that some online microfinance products used the disguise of marketing activities to spy on personal credit.
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Users are advised not to click on the activities of loan products out of curiosity, and you will betray your personal privacy if you are not careful.
At the same time, develop good credit habits, and don't blindly borrow consumer loans and overspend, which will bring unnecessary troubles to life.
At that time, some pilot mobile banking applications could check their credit reports.
I also experienced the online query function on China Merchants Bank APP. The process is very convenient, just submit the information directly.
The content displayed in the report is relatively simple, but fortunately, the whole page of the report is clearly colored and the prominent key information is in place.
But in fact, personal credit reports are divided into short version and detailed version.
The report obtained through online inquiry (mobile banking APP, webpage) is a simplified version.
Offline printed reports (outlet counters, self-service inquiry machines) are detailed versions.
So what's the difference between the short version and the long version?
Are products such as flowers and white strips really on the credit report?
Is it inconvenient to print the report offline?
With these questions, we came to Shanghai Branch of Credit Information Center of China People's Bank.
I personally printed a detailed personal credit report to find out.
0 1
Offline printing of credit reports is also very convenient.
Just check the nearby outlets in official website and the Credit Information Center of the People's Bank of China, select the nearest outlets, and prepare the original personal ID card.
After entering the door to register personal information, you can go to the self-service inquiry machine to inquire.
Self-service inquiry machine, image source: Shanghai credit information inquiry guide
Part of the query interface, image source: Shanghai credit information query guide
Put your ID card in the sensing area and make sure your personal information is correct.
Then take photos on the spot and do face recognition and comparison.
You also need to enter your personal mobile phone number for verification. By default, the detailed report is selected here.
By the way, personal inquiries about my report are free twice a year.
If this is your third or more inquiry, you still need to pay an inquiry fee of 65,438 RMB.
After all the steps are completed, you can print out a detailed personal credit report.
02
The detailed personal credit report is divided into five parts.
First, personal basic information
This part mainly records the identity information, spouse information, residence information and occupation information of the inquired person.
It is clear at a glance which bank your personal information is entered through, and it is very detailed.
Even the changes of only a few words are recorded one by one.
For example, my residential information, which is obviously the same address, has been entered into three pieces of information by three banks:
Pudong New Area of China, Pudong New Area of Shanghai. ...
Whether you have a spouse, whether you buy a house, and whether you have a stable job are all important information.
Second, the information summary
This part mainly records the basic situation of the credit transaction of the inquired person.
Whether there is a mortgage or car loan, how many credit cards are there, whether they are overdue, the use of credit cards, and the number of inquiries from other institutions in the past two years.
Undoubtedly, the default information of credit transaction is one of the most important information.
Which accounts are overdue and the number of overdue periods will affect your personal credit evaluation to varying degrees.
We all have to repay as agreed, so don't miss the repayment date because of carelessness and leave a stain.
Once there is a breach of contract, it will be shown in the report for 5 years.
What is "black credit"?
If there are three overdue accounts in a row, or six overdue credit reports in two years, they are often called black accounts.
There is another data to pay attention to.
It is generally recommended to control the amount of "average usage limit in the last six months" below 50% of the "total credit", and try not to exceed 80% under special circumstances.
For example, if you have several credit cards, and the total amount of credit cards adds up to 65,438+10,000, then it is best not to spend more than 50,000 per month.
If you spend a high proportion of the total amount for a long time, the bank will definitely think that your capital chain is tight.
Three. Details of credit transaction information
This part mainly lists the status and repayment details of the inquired account.
The status of credit card accounts is divided into: normal, frozen, payment stopped, bad debt, account cancellation and inactive.
Freezing means that your account is suspected of very serious illegal operations, such as smuggling, anti-money laundering, telecom fraud, cash withdrawal and so on. The issuing bank has frozen the account.
Stopping payment is generally a preventive measure taken by the issuing bank when the credit card expires for more than 3 months and at least 2 reminders are invalid.
Bad debt refers to the accounts receivable that the cardholder has passed the repayment period and cannot be recovered after repeated collection by the bank, which is in a sluggish state for a long time and may become bad debts.
If these three user states appear, you should be careful.
Every letter and number in the repayment record also has a clear meaning.
Four. Details of public information
Because this part of my report is incomplete, I searched online, mainly including:
Civil judgment records, execution records, pension insurance deposit records, pension insurance payment records, housing accumulation fund participation records, tax arrears records, administrative punishment records, subsistence allowances assistance records, practice qualification records, administrative reward records, vehicle transaction and mortgage records, and telecom payment records.
Negative information also shows the records of the last five years.
Verb (abbreviation for verb) query record
This part mainly lists the details of institutional inquiry records and personal inquiry records.
Online marketing activities such as asking you to "check the quota" and "lend you XX yuan" all need to check the credit information.
What is "Flower Credit Information"?
The more times of credit inquiry, the more records. Generally, we call a credit inquiry with multiple records "Huabai Credit Inquiry".
If there are too many loan approvals, credit card approvals and guarantee qualification approvals in a short period of time, such as more than six inquiries within six months, the impact is still relatively large.
At present, many lending institutions require that the number of inquiries in the last two months should not exceed four. If there are more than four credit inquiries in the last two months, it is very likely that your loan or credit card will not work.
03
Are there any products on the credit report, such as JD.COM Bai Hua, Baitiao and Meituan Monthly Supply?
In my personal credit report, I really didn't see any relevant records.
In Bai Hua's relevant contracts and product descriptions, it is also clearly stated that Bai Hua will submit my credit information to the basic database of financial credit information of the People's Bank of China.
As for whether, when and how to report it, it is still unknown.
The early "Suning pays at will" is to record every loan on the statement.
Image source: Network
Such a large number of small records will obviously not leave a good impression on the audit institutions, and will also cause your personal credit report to be "spent".
04
Payment information such as water, electricity, coal and telephone charges is also not recorded.
When the second-generation credit report is released, it is said that personal payment records such as water, electricity and coal will also be included in the personal credit report.
5438+ 10 June, it was reported that the arrears of mobile phones may also be included in the credit information system.
There is no such record in my personal credit report.
However, I found a netizen speaking on the Internet, and his personal credit report contains the payment record of telecom business.
Image source: Network
It is worth noting that on the last page of the report, the repayment status description of the post-paid business is clearly listed, just like the repayment status description of the credit card account.
This shows that the credit report is ready to enter other life payment information, and the relevant content may be entered into the record soon.
05
Before I checked my credit report, I was also worried that I forgot to repay several times, which led to overdue.
I'm relieved after reading it. Although 1 overdue, it is still clean as a whole.
However, if I don't check the credit information, I really forgot to have such a dusty credit card in Ji Zhang.
I remember this peony unblocked card, or 16 when I went to the traffic police brigade to pay the parking fine.
The dealer set up a small table and a Yi Labao in the penalty hall.
At that time, because there was no way to pay the fine online, you could pay the illegal fine directly on the card without going to the traffic police brigade for on-site handling.
But I haven't had a chance to use the function of paying the fine again, but I accidentally overdue it once.
It's even more useless now.
You can pay the fine directly at China UnionPay Express APP or Shanghai Traffic Police APP. Is it sweet?
This no longer used card should be cancelled at some point.
06
Nowadays, all kinds of online loans are popular, and consumers are induced to form the concept of leading consumption through beautifully packaged advertisements.
Did not fulfill the due review obligation, did not educate consumers to make reasonable financial planning.
A controversial bud advertisement
In particular, some college students and newcomers who have just entered the workplace are easily tempted by various peer-to-peer loans, overspending and shouldering heavy repayment pressure early.
Credit is the foundation of a person's foothold in society.
We usually use credit cards. While enjoying the rights and interests of credit cards, we should also remember to accumulate personal credit through timely repayment.
Live within our means and spend moderately.
After all, no matter how high your XX score is, in the end, others will still read your personal credit report.
Will the personal credit report be printed at the end of the year?