If the loan applied for is provided by a bank or a lending institution or platform connected to the central bank's credit information system, then at the time of application, the customer generally needs to authorize the bank or lending institution or platform to inquire about personal credit information, which will lead to an inquiry record named "loan approval" on the personal credit information report. This inquiry record is not an overdue bad record. As for how long it will be deleted after being recorded in the credit information, it is not explicitly mentioned in the Regulations on the Administration of Credit Information Industry. Most of them will remain in the credit information, but as long as there are not many such records, there will be no impact on personal credit, and such records will generally be covered by new records over time, so customers need not worry too much. When a customer applies for a loan, banks or lending institutions and platforms often only inquire about the customer's credit report in the past two years. However, if there are too many inquiry records in the name of "loan approval" in recent credit reporting, which leads to the situation of "spending money" in credit reporting, the situation of "spending money" in credit reporting can generally be improved as long as customers do not apply for loans for almost half a year in the next time. If you want to check the credit information through China Merchants Bank Personal Online Banking Professional Edition, you need to wait at least 4 hours after applying for inquiry. After the results are returned, they are valid for 7 days, and can be viewed or downloaded repeatedly within the validity period without any restrictions.
It can be queried within one day, that is, within 24 hours. Inquirers can log on to my credit content page of China People's Bank Credit Information Center to inquire about credit information. Inquirers can also go to the corresponding personal credit information center in official website to inquire about personal credit information. If there is no query result for more than one day, the inquirer can call customer service to inquire about the reasons and solutions of the query failure. The importance of the credit report should be relatively large. It is an international practice to develop the credit information industry. In China, credit reports objectively record the credit activities of information subjects, which is helpful for creditors to judge the credit status of information subjects. To some extent, it is called the "economic identity card" of our information subjects, including enterprises and individuals. At present, the largest amount of our (credit report) is in the financial system.
Operating environment: online banking appV 1 1.3.6.