How long does it take for China Bank app to inquire about credit information?

Is there a time requirement for BOC to inquire about the personal credit report of mobile banking?

Inquiry time of personal credit report service of China Bank Mobile Banking: It is recommended that you submit an inquiry application from 8: 00 to 20: 00 every day.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

How long does it take to check personal credit report by personal mobile banking of China Bank?

Time required for personal credit report inquiry of personal e-banking of China Bank:

After receiving the application, China Bank will submit your application to the Credit Information Center of the People's Bank of China, which will usually return your credit report within 24 hours.

Tips:

1. You can download (save locally) from personal online banking/personal mobile banking and check the contents of the report. The specific contents will be subject to what you find;

2. 7 natural days after the successful application, the system will automatically delete it after the expiration, and you need to apply again.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

How long does it take for mobile banking to check credit information?

We check the credit report through mobile banking. It usually takes several hours to get the results. The bank will send our credit report to our reserved mailbox. However, it should be noted that the credit report of mobile banking inquiry is a simplified version. If you need to inquire about the details of the credit report, you still need to go to the Credit Information Center of the People's Bank of China or the authorized business outlets of commercial banks.

If users want to know their personal credit status in time, or want to apply for a loan from the bank, and don't know if there is any problem with their credit information, they can check the credit information report by themselves. Before the above-mentioned bank APP supports the credit function, users need to hold their valid identity documents to the Credit Information Center of the People's Bank of China or the Credit Information Management Department of the People's Bank of China, or log on to the website of the Credit Information Center of the People's Bank of China to check personal credit records.

(operating environment: Xiaomi11mui12.6.5, app version 7.2.0 of China Bank, app version 7.0 of China Industrial and Commercial Bank,1.0, app version 5.6 of China Construction Bank. Everbright Bank app version 8.2.3, Guangzhou Bank app version 4.3.9, Postal Savings Bank app version 7.0.4, Bank of Communications app version 5.6.0, China Merchants Bank Pocket Life version 8.5.8).

1, specific operation of credit investigation

With the advancement of the digital transformation of the banking industry, many commercial banks have opened the function of inquiring personal credit reports by mobile banking, and the operation steps are very convenient. Take the ABC App as an example. Just log in to the Agricultural Bank of China App, click "All", find the "Personal Credit Report" function in the "Query" module, enter the personal information and email address of the inquiry application, agree to the authorization, enter the SMS verification code, and then perform face recognition, and you can make a free inquiry. Beijing business today reporter measured today that the whole process only took 1-2 minutes, which is very convenient. Users can receive the query results within 24 hours after following the instructions of mobile banking. On July 1 day, today, beijing business today reporter actually measured the ABC APP and received a personal credit report within 2 hours. The maximum inquiry times of personal credit report of banks are 1 time/day, 3 times/month and 12 times/year.

2. Banks have supported mobile phone credit reporting, which is a convenient means of personal credit reporting.

In the era of credit economy, personal credit status is one of the important bases for bank risk pricing. Personal credit status directly affects credit, employment, house purchase, etc. It is convenient and quick to check the credit status through the bank APP, which provides convenience for banks to handle personal business, improves efficiency, facilitates inquiry, and is also conducive to the maintenance of personal credit awareness. It should be noted that users should also pay attention to prevent information leakage when inquiring about credit information, and pay attention to what aspects may lead to bad credit risks, such as tax arrears, evasion of tickets or the risk of providing guarantees, which will be included in the bad credit investigation for others.

3. The credibility of personal credit report

In fact, personal credit report reflects the credit and reliability of individuals in social and economic activities. With the increase of personal economic activities and the rapid development of inclusive finance, credit reports not only affect personal loans, consumption and house purchase, but also produce bad credit records for personal study, employment, going abroad and traveling. If you go directly to the bank to print the credit report, you can see the credit report after printing; If you query through the website, it usually takes 24 hours. But some don't need 24 hours, because 24 hours is only the time for credit reporting agencies to review and query to ensure information security. If there are many people in the morning, the results will be produced in the afternoon or evening. Of course, they still need practice to acquire real knowledge.

4. Personal credit reporting is linked to bank loans.

If the loan applied for is provided by a bank or lending institution or platform connected to the central bank's credit information system, customers generally need to authorize the bank or lending institution or platform to inquire about personal credit information when applying, which will lead to the query record in the name of "loan approval" in the personal credit information report. Such inquiry records are not bad records such as overdue. In fact, the management regulations of the credit information industry do not clearly stipulate how long the credit information records will be deleted. Most of them will stay in the credit investigation, but as long as there are few such records, it will not have any impact on personal credit.

How long does it take for China Bank to send data?

Usually it only takes 24 hours, or within 24 hours.

For the personal credit report submitted by China Bank and Mobile Banking, after receiving the application, China Bank will submit your application to the Credit Information Center of China People's Bank. Under normal circumstances, the Credit Information Center of the People's Bank of China will return your credit report within 24 hours. You can download and view the contents of the report in mobile banking, and the specific contents will be subject to what you find. If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business. The above contents are for your reference. Please follow the actual business regulations. If you have any related questions, please contact customer service, and customer service will be happy to answer them for you.