How to query personal credit information on WeChat?

How to query personal credit report on WeChat?

The personal credit report on WeChat can be found as follows.

1. Open WeChat, click "+"in the upper right corner and select "Add Friend".

2. Enter "Tencent Credit" and click Search.

3. Select "WeChat Official Account"-"Tencent Credit Information" to pay attention to this official WeChat account.

4. Enter the official account of WeChat, and click "Product Introduction"-"Personal Credit Management Platform" to inquire.

How to check credit information on WeChat?

The credit investigation conducted by WeChat is mainly conducted by third-party organizations. It is suggested to inquire about the credit report provided by the Credit Information Center of the People's Bank of China, because banks and other financial institutions will also investigate such credit reports. There are three ways to query the credit report of China People's Bank. Here are some related processes and how to check whether there is any problem with the credit report.

First, the query method

At present, there are three query methods. The first way is to go to the offline institution (credit center) of the People's Bank of China or a bank outlet with a credit inquiry machine. Just bring your ID card. The second way is to register relevant information through official website, the Credit Information Center of China People's Bank, and apply online. You can download the extraction code sent by your mobile phone the next day. The third way is to query through the APP of commercial banks, but there are few banks that have opened this function at present.

Choosing the first one is to print the paper version for free, and it is more detailed than the other two query versions, so the first query method is recommended first.

Second, how to see if there is a problem with credit reporting?

Banks see if there are any problems with your credit information, mainly in the following aspects:

(a) whether there is overdue.

Credit information will clearly show whether you are overdue, how many overdue periods and how much overdue. If some loan banks see that your credit card is overdue for only one or two days and the amount is only a few tens, they will be lenient. If it is other long-term overdue and the amount is large, it will basically be blacklisted by the bank. Only by eliminating the five-year record can they hope to apply for a loan again in a banking institution.

(2) Whether to apply for an excess loan.

When the bank approves the loan, it will calculate your limit according to the current loan shown on the credit report. If you have more loans on your credit report than the assets you provide, then you may also be rejected by the bank.

(3) Check whether there are many records.

Some people often apply for online loans, credit cards, etc. And whether it passes the audit or not, it will leave an inquiry record on its own credit information, and the bank attaches great importance to this record. The bank will think that you have applied for this kind of loan in large quantities, that you are short of money, and will refuse your loan request.

In short, unless you are particularly short of money, it is recommended not to apply for credit cards and online loans frequently in a short time, but to check your credit report regularly every year. In addition, maintaining a good repayment record is also the correct means to maintain your own credit information.

How does WeChat inquire about personal credit information?

Operating environment:

Brand model: iPhone 13

System version: i0S 15.0

App version: v8.0. 17

1. Open the WeChat app.

2. Click on the magnifying glass pattern to enter the credit check.

3. Click on the credit subquery below.

4. Personal credit information Click official website, and enter the input information to query personal credit information.

1. What is a credit report?

Credit investigation refers to the collection of information about financial activities of citizens and enterprises in China, which is stored in personal credit files for public inquiry.

For example, when a citizen needs to borrow money from a bank, the bank can check the citizen's personal credit file to see if he has breached the contract in the past, such as overdue repayment. The bank evaluates the risk through the inquired personal credit files, and then decides whether to give loans to citizens.

Second, what is the importance of credit reporting?

Credit investigation is an indispensable part of modern society, and its importance is reflected in its influence on individuals, banks and society.

1. Affect personal loans, apply for credit cards, and find jobs.

If the credit information is in good condition and there is no breach of contract, you can get the approval of the bank more quickly when applying for loans and handling credit cards. Moreover, due to the good credit status, when borrowing money, you may get certain discounts on the loan interest rate and loan amount. In addition, when looking for a job, some employers will check the credit information of job seekers.

2. Help banks make more convenient decisions.

Before the credit investigation, it is difficult for banks to fully understand the credit situation of customers, and it is impossible to make a decision on whether to lend or not quickly and conveniently. After the People's Bank of China organized commercial banks to input the credit information of citizens and enterprises into personal credit files, whenever banks need to make decisions, they can query customers' credit files and make decisions quickly.

3. Promote social integrity.

Because credit information will affect personal loans and job hunting, the cost of dishonesty will be higher, thus promoting people's compliance and the importance of personal credit information.

3. What impact will bad credit information have on individuals?

1. Difficult to borrow

Based on the current housing price, many people need to borrow money from the bank to buy a house. If the credit information is poor, banks may demand higher interest rates or simply refuse loans.

2. Unable to apply for a credit card

If the credit information is too poor, the bank will think that this person has a higher risk of not paying back on time, thus rejecting his credit card application.

3. Be sued in court

If you are sued to the court because of poor credit reporting, it will lead to serious consequences if you are listed as an executor of dishonesty by the bank. Not only will houses and personal property be seized, but children will not be allowed to attend key private high schools. In addition, online shopping, flying by train, buying a house and going abroad are all limited. Promote social integrity.

How to query personal credit information on WeChat?

Wechat can't query personal credit information. At present, there are ways to query credit information: computer login to China People's Bank's Credit Information official website, inquiry at local bank credit information centers, inquiry at commercial banks with self-service inquiry machines, and inquiry through online banking and mobile banking of some banks. It can be seen that WeChat has no method to inquire about credit information at present.

If users need to query credit information, they can use the above method to run the query, in which it is relatively convenient to query credit information through mobile banking or online banking.