1. For bank branches, you can bring your ID card to the local China People's Bank branch and print your personal credit report. Because there will be credit card details on the credit report, if you have a credit card, it will be displayed on your personal credit report.
2. Bank telephone inquiry. You can also call the customer service phone of the bank and ask the customer service staff whether they have applied for a credit card. But obviously, this method is very troublesome, and you have to fight one after another.
3. For online inquiry, you can log in to official website, the People's Bank of China, and check whether you have applied for a credit card by checking your personal credit report. It doesn't need to print out a report like going to a central bank outlet. On official website, you can directly check the credit card details in the personal credit report online.
: 1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.