First, personal credit records query method _
1, _ sharp edges are suppressed and ancestors are ignored. _ Small ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄ ⒄
2. Information needed for personal credit record inquiry _ _ _ _ _ _ _ _ In addition, when inquiring, you need to fill in the Application Form for Personal Credit Report Inquiry truthfully.
3. Personal credit record inquiry fee _ In principle, a certain fee +0.4.8 is charged for a service provided by Pang Mao, the surname of Chu, and it is not charged at present.
2. How long is the credit card overdue?
1, within three days overdue: all banks will provide timely services for cardholders, and repayment within three days overdue is regarded as timely repayment. But in fact, the implementation of each bank is different. For example, the Agricultural Bank can only postpone repayment for two days, while the Construction Bank can automatically postpone repayment for five days. If you are not sure, you can call the customer service phone of the bank for consultation. As long as you repay within the grace period, it will not be included in the credit report and will not be deducted.
2. Overdue for more than three days: it will basically be included in the central bank's credit information system, and the bank will charge a late fee according to the standard, and charge a penalty interest at the daily interest rate of five ten thousandths. However, because the overdue time is relatively short, the impact on applying for loans or handling credit cards in the future is not so great.
3. Overdue for more than 90 days or accumulated for more than 6 times: your credit record will be seriously affected, and you will be added to the blacklist of financial institutions. You can't apply for loans and credit cards, and even traffic will be affected.
Third, once the credit investigation is a very serious matter, you can use the following steps to eliminate it:
1, Pay off the debt: Don't try to avoid the problem, because if it is overdue all the time, credit card debt finance will get more and more interest, which will lead to high late fees. So pay off all the arrears immediately, including due interest and overdue interest.
2. Continue to use: The repayment records of credit cards will be rolled in the central bank's credit information system for 24 months, so you should continue to use overdue credit cards. Keep a good repayment record until the new repayment record covers the previous negative record two years later.
3. Bank statement: If you are unable to repay due to special reasons, such as unemployment and illness, you can ask the bank to state your actual situation before the repayment period comes. Declare that you are not in bad faith, and ask for deferred repayment and interest concessions.