First of all, China people's personal credit can be queried through two channels:
1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;
2. Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.
Second, when we need a loan to apply for a credit card, we need to submit some personal information, and the credit card issuer will log in to the credit information system to inquire about personal credit information. If we don't have credit cards and loan records in our name, it's called a white account.
1. Under normal circumstances, this kind of white household cannot apply for a credit card, but with the relaxation of the credit policy, the conditions for applying for a credit card are not as harsh as before, so it is easy for white households to obtain a credit card. Individual users can see the information of "issuing bank" when logging into the credit information system, and also display the inquiry tips related to credit information under their own names.
To put it simply, it's no big deal to go to the credit record. As long as the information is positive and benign, there is no problem. Moreover, the more information you show, the better your performance ability, which can indirectly prove that you are a "trustworthy" person. After handling loan business and applying for credit cards from other banks, these are all points. But if it is a bad record, then the impact on yourself is not too big. Personal credit is affected first. According to the relevant laws and regulations, personal bad credit records will be kept for more than five years, which means that after the bad credit records are generated, in the next five years, when you need a loan to buy a house, a car, or handle credit-related business, you may encounter resistance, leading to the failure of loan review. Even if you finally repay the loan and the credit card is overdue, this record will be kept and will exist forever.