If you want to check whether your ID card has a loan record, customers can take the following methods: 1. Log in directly to official website, the Credit Information Center of China People's Bank, on the computer browser, and enter the Internet personal credit information service platform to inquire about personal credit reports; Or bring your personal ID card to the business hall of the branch of the local people's bank to find a staff member to inquire; You can also call the customer service of the People's Bank of China. We should know that when consumer financial institutions apply for loans, if the platform has access to the central bank's credit information, it will inevitably leave relevant records in the credit information. 2. You can query third-party data platforms, such as people's credit reporting. After all, many small loan platforms with low application thresholds are not connected to the central bank's credit information, which is the first choice for criminals to defraud loans. Therefore, even if they borrow money, they will not leave a record in the credit report, and most of the relevant loan records are left in big data. 3. See if you have received a short message from a lending institution/platform without a registered account in your mobile phone. If there is a dunning message, it is likely that someone else has stolen the ID card.

How to inquire about personal loans?

If you want to check whether there is a loan in your name, customers can adopt the following methods:

1. Inquire about personal credit reports on the Internet personal credit service platform of the Credit Information Center of the People's Bank of China (you can also bring your ID card to the local people's bank for inquiry), and inquire about big data on the third-party data platform. If there is a loan, it will naturally be recorded in the personal credit report/big data (loans from banks and licensed consumer financial institutions will generally be recorded in the credit report, and small loans without access to the credit report will generally be recorded in the big data).

2. Check whether there are loan success messages and repayment reminder messages sent by banks or other financial institutions; You can go to the mailbox to see if there is any mail containing the bill. If there is, it naturally means that there is a loan in the customer's name.

3. Check the loan records on the mobile banking client of each bank and the personal account page of APP of each loan platform on the mobile phone.

4. Call the hotlines of several banks that have business contacts at present, and directly ask the customer service staff whether they have loans under their names.

How to check whether there is a loan in your name?

For personal loans handled by China Merchants Bank, you can query the issued loans through self-service channels, including: repayment date, repayment method, remaining arrears, number of remaining installments, quota, start/expiration date of quota, loan status, etc. If you can't find a loan through the following channels, it means that you don't have a loan in our bank ~

1. Mobile Banking: Please check the repayment date of the loan, the amount to be repaid, the start date/expiration date of the line, the number of remaining periods, etc. In all my loan records. After entering the page, click on the loan, and you can query the repayment method, interest rate, loan status and other information.

Tips:

① If it is a provident fund loan, you need to contact the local loan handling bank or provident fund management center.

② If you can't find it through this interface, you can contact online customer service to try to understand the reason.

2. Premium Key Professional Edition: You can log in to the Professional Edition and click All-in-One Card-Loan Management-Personal Loan Inquiry to inquire about loan information.

Tips: At present, the Professional Edition doesn't support Mac system, so Apple computer can't log in to the Professional Edition.

3. Loan invitation App: If your loan from China Merchants Bank has been issued, please log in to the loan invitation APP, click Loan Management-Loan Record, and then click the applied loan to inquire about the loan details.

This is the end of the introduction on how to check whether there is a loan in your name and how to check whether there is a loan in your name. I wonder if you have found the information you need?