Is it risky to entrust a bank to inquire about credit information?

1. Is it risky to entrust a bank to inquire about credit information?

Authorize others to inquire about credit information. If the credit investigation does not involve loans, just going to the bank to make a credit report will generally have no effect.

If you give your certificate to others, it is ok to entrust others to check the credit report at the bank card, but it is not safe. After all, it will reveal personal privacy, and it is not safe to take your report to get a loan. People themselves. Try to check it yourself, don't authorize others.

Second, does it matter to authorize banks to check credit information?

Hello! Authorize others to inquire about credit information. If your credit investigation does not involve loans, you just go to the bank to type a credit investigation report, which has no effect. abstract

Does it matter to authorize others to inquire about credit information? Ask questions.

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Hello! Authorize others to inquire about credit information. If your credit investigation does not involve loans, you just go to the bank to type a credit investigation report, which has no effect. answer

I asked someone to check my credit ID card, bank card and telephone number, saying that I had received the verification code, and asked me to send it to him. Do you have any questions?

It's not safe! You only need to check the credit information on the mobile phone China UnionPay Express, and you don't need to provide your ID card, bank card or telephone number. It is easy to be regarded as a loan! answer

Can someone else check mine on China UnionPay Express? Ask questions.

Hello! I can't! You must check it yourself, and you need to sweep your face every time you inquire. answer

It was the guy from the car loan agency who asked me to send those documents to him. He said that the bank people checked the credit information and asked me to send it to him after receiving the verification code. I have a chat record with him. If he took the loan, would it be useful to ask me about the chat record?

Yes, the evidence must be preserved. There is nothing wrong with the offline store. Have you signed a car loan contract? answer

If you don't sign it, you just need to check the credit report first to see if you can get a loan. This is a second-hand car dealership.

Then you can call him directly, and don't give him important information such as ID card and bank card! answer

Hello! Just sign a power of attorney authorizing others to inquire about their own credit information, without the original and bank card! answer

I didn't even take a photo of my ID card, so the bank card gave me my account number, saying that I needed a verification code to check the running water and asked me to send it to him.

Hello! It would be better if you don't give the original. As long as it is confirmed that it is the staff of the regular car dealership, it will be fine. You should keep a good chat record. answer

I haven't told him the verification code yet. Should I let him ask questions?

Please see which company sent the verification. If it belongs to a financial company, don't tell him. If it is from the credit information system, you can tell him. And the verification code usually expires in 5 minutes. answer

Third, do you want to check the credit information for bank loans?

Personal credit report is required for bank loans:

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.

With the development of market economy, enterprises, companies or individuals have a growing demand for loans, but there are still many unclear places for us ordinary people. The following summarizes some basic financial knowledge of loans for everyone to learn from each other.

Loans seem to be a very simple matter, that is, borrowing money from others and then paying back the money with interest. In fact, loan is a very professional technical job. If you don't know some financial knowledge, it's easy to get a loan that is not what you want. In order to help you better learn and understand the knowledge related to loans, this paper summarizes ten basic knowledge of loans.

1. What are the common loan forms? What are their characteristics and advantages?

Loans are divided into "credit loans" and "mortgage loans".

2. What's the difference between a "lender" and a "borrower"?

In the process of lending, most people don't know what is a "lender" and what is a "borrower".

Lender: refers to individuals or financial institutions that use credit funds or their own funds to issue loans to borrowers in lending activities, generally referring to commercial banks and central banks.

Borrower: refers to an enterprise, institution or individual that borrows monetary funds from a lender with its own credit or property as a guarantee or a third party as a guarantee in credit activities.

Simply put, if you borrow money from a bank, you are the borrower and the bank is the lender.

3. What are the common repayment methods?

Common repayment methods are: average capital, matching principal and interest, one-time repayment of principal and interest, interest first and principal later.

4. What is the benchmark interest rate? What will float?

The benchmark interest rate is the deposit and loan interest rate uniformly stipulated by the People's Bank of China, which is used to guide the deposit and loan business of commercial banks. Commercial banks can float on the benchmark interest rate according to market conditions and borrowers' conditions.

The main reason for the increase in loan interest rate is that the market demand for loans is greater than the supply of funds. Simply put, banks are short of money. In addition, the borrower's own credit status is not good, and the bank thinks that the loan risk is too high, so it raises the interest rate.

5. What is the loan process? What are the steps?

The loan process is mainly divided into four parts: pre-loan investigation = loan approval = loan issuance = post-loan management.

6. "3% interest", how much interest is 3%?

When you hear what percentage of interest, you must know whether it is annual interest rate, monthly interest rate or daily interest rate. For example, the monthly interest rate of 3% is relative to RMB, that is, 1 yuan can get 3% interest a month. Warm reminder, many people bear high interest rates because they can't calculate interest rates.

Four, with my ID card for others to inquire about the People's Bank of China credit report has an impact on me. ...

With your ID card, you can go to the local people's bank to check your personal credit report for free! Or you can check with other commercial banks.