• <nav id="cqaqa"></nav>
    <menu id="cqaqa"><strong id="cqaqa"></strong></menu>
  • 當前位置: 首頁 > 征信知識
    有關信用記錄的問題解答
    字體大小: 發布時間:2014-06-12 保護視力色:

     

     

    一、什么是信用記錄?

    信用記錄全面、真實記錄您在銀行借債還錢、遵守合同和遵紀守法情況,既有您按時還錢的記錄,也有您不按時還錢或者借錢不還的記錄。目前個人信用記錄主要儲存在人民銀行征信系統中,并以信用報告的形式向本人提供查詢。

    二、個人為什么要查詢本人信用報告?

    目前,個人信用報告廣泛應用在商業銀行貸款、信用卡審批和貸后管理中,還用于任職資格審查、員工錄用等許多活動中。信用報告能夠節省銀行審貸時間,幫您快速獲得貸款。如果您的信用良好,銀行還可能會在貸款金額、利率上給予優惠。但如果您有逾期記錄,銀行在放貸時會更加慎重,不利于您獲得貸款或增加您的貸款成本。所以,大家應該做到自己的事自己知,應該主動了解自己的信用報告,對其中可能錯誤的信息要及時向征信中心或業務發生銀行提出申請糾正,避免給您帶來不利影響。

    三、到哪里查?

    ▲現場查詢:您可以在您所在地中國人民銀行分支機構查詢。目前遍布全國的2100多個人民銀行分支機構都可以為您提供查詢服務。

    ▲互聯網查詢:您可以通過互聯網提交查詢申請,并在第二天獲得信用報告。查詢網址為https://ipcrs.pbccrc.org.cn。截至2014年5月底,互聯網查詢已經在江蘇、四川、重慶、北京、山東、遼寧、湖南、廣西、廣東、浙江、天津、新疆、上海、湖北、青海、河北、安徽、內蒙18省(市、自治區)進行試點,凡持有試點省(市、自治區)身份證的個人,均可上網查詢本人信用報告。其他省(市、自治區)在2014年也將實現網上查詢。

    四、怎么查?

    ▲現場查詢時,您需要攜帶本人有效身份證件原件及1份復印件,在查詢網點填寫《個人信用報告本人查詢申請表》后提交查詢申請。

    ▲網上查詢時,您需要首先進行用戶注冊,在線進行身份驗證,提交查詢申請。身份驗證有私密性問題驗證及數字證書驗證兩種方式。如果您通過了身份驗證,一般會在第二天獲得短信通知,可登陸網站進行用戶激活,查看信用報告。

    五、何時查?

    您在向金融機構申請貸款或信用卡之前,有必要查一下信用報告,這樣可以做到對自己的信用狀況心中有數,發現問題,及時糾正。

    六、我不打算申請貸款和信用卡還要查信用報告嗎?

    建議您一年內至少查1次信用報告,在了解您自身信用狀況的同時,檢查是否存在別人冒用或盜用您的身份獲取貸款、信用卡的情況,是否有錯誤信息,是否有未經您的授權違規查詢的情況等。

    七、個人在申請貸款、信用卡時,需要向銀行提供本人信用報告嗎?

    不需要。商業銀行等提供貸款的機構應該自己查詢征信系統,商業銀行是征信系統的用戶,征信系統連接了全國所有商業銀行,信息服務網絡覆蓋全國所有商業銀行的信貸營業網點。

    八、誰能查詢我的信用報告?

    您讓誰查誰就能查。也就是說,經過您的書面授權同意并約定了查詢用途后,被授權的機構或其他人就能查。查詢最多的是商業銀行等放貸機構,其他還可能是與您發生經濟交易的生意伙伴、用人單位等。

    九、如何維護良好的信用記錄?

    呵護信用要靠您自己。日常生活中,主動與銀行保持暢通的聯系渠道,注意更新手機號碼,準確提供自己的基本信息。量入為出,按時還款、避免出現逾期。如果已有逾期記錄,應盡快還款,積極采取措施避免再次發生;如果逾期信息有誤,應盡快提出申請,及時糾正。愛護自己的身份信息,不要將身份證借給別人,不要隨意把身份信息提供給別人。一旦發現自己的身份證被盜用,盡快向公安機關報案,維護自己的合法權益。

    幸运时时彩 www.76188.com | www.99552jj.com | 84490.com | www.c6321.com | www.110978.com | 88850cc.com | www.0967003.com | www.5911o.com | 365102c.com | www.298001.com | 61329977.com | haianw.com | www.cn365b.com | man153.com | www.674007.com | www.6511msc.com | 4060vv.com | www.926887.com | www.bw115.com | 4508ii.com | www.ya130.com | www.2997701.com | 83138o.com | www.959zf.com | www.tm003.cc | 55967u.com | www.818797.com | www.beb100.com | 3685c.com | www.393411.com | www.808888u.com | dz883.com | www.160913.com | www.bwinyz28.com | www.6668.cc | 5622q.com | www.42842816.com | www.155439.com | 4088.cc | www.ac9911.com | www.11223885.com | 9895x.com | 81366b.com | www.86677.com | www.09569w.com | vv879202.com | www.500108.com | www.5099pp.com | ff555w.com | 3305596.com | www.55785.com | www.hg4748.com | 3482y.com | www.607325.com | www.829797g.com | h00351.com | 3928722.com | www.77803l.com | www.6111111.com | 294650.com | www.88065a.com | www.050881.com | www.362838.com | acp0006.com | www.608389.com | www.8080999f.com | www.8015866.com | 3482v.com | www.81678v.com | www.hg274.com | www.y18001.com | g4255.com | 2381mmm.com | www.36581111.com | www.d9478.com | 7141gg.com | 78114411.com | www.580896.com | www.99552jj.com | www.xpj88004.com | vipvip1111.com | 5004qq.com | www.9928d.com | www.l5504.com | www.hg6513.com | 50038q.com | www.w725.com | www.9464gg.com | www.f5566.com | 53262d.com | P35y.com | www.cf9900.com | www.47506t.com | www.773114.com | 3957o.com | 01885b.com | www.58677.cc | www.40288w.com | www.990333.net | a3405.com | d7789.com | www.axc2.com | www.780sun.com | www.3939mmm.com | tz977.com | hg2017.cc | www.0014v.com | www.32678.cc | www.599199.com | 923830.com | 59599s.com | www.61233i.com | www.9478f.com | www.yh234a.com | www.0885k.com | 7792u.com | 12742f.com | dj368.com | www.hx6686.com | www.pj55713.com | www.pj8333.com | www.qy858.com | 67888o.cc | 1859.com | fk.wp8808.com | www.ya350.com | www.9350.vip | www.8473v.com | www.hg958a.com | 5446kk.com | g1915.com | nck5273.com | www.601497.com | www.88266n.com | www.9570118.com | www.88zz.cc | www.32126l.net | 88851o.com | dh0638.com | 115504.com | www.108095.com | www.19kpl.com | www.7240f.com | www.848777s.com | www.444475.com | www.621155z.com | 3049y.com | 07100.com | 00778m.com | www.43131u.com | www.916570.com | www.68689r.com | www.801sun.com | www.8313k.com | www.02110.com | www.sun000.com | 1591ddd.com | 80368s.com | 4022p.com | 932367.com | 11889193.com | 9895m.com | www.liuguan000.com | www.rrle6.com | www.52303y.com | www.99094t.com | www.115527u.com | www.8967i.com | www.333639.com | www.42842814.com | www.9679b.com | www.32126l.net | vns8vip.com | 009900k.com | 33599nn.com | 940.net | 721023.com | feicai0870.com | js345o.com | qjdc111.com | www.278202.com | www.803733.com | www.3cpb.com | www.czg7.com | www.ct6678.com | www.1035aa.com | www.49956d.com | www.80065p.com | www.6613633.com | www.hg77701.com | www.4809v.com | www.r99999.com | www.06386633.com | www.38775vv.com | www.88325p.com | www.33111122.com | www.69567g.com | www.11521.com | www.2021t.com | www.0071331.com | www.bet63y.com | www.55060y.com | www.10999k.com | www.00773g.com | www.pj888h.com | www.00618a.com | www.1064d.com | www.8864tt.com | www.8850.com | www.5719c.com | www.js552.com | www.883399c.com | www.68365m.com | www.3775q.com | www.13434b.com | www.hg6767a.com | www.80065q.com | www.35918b.com | www.9149c.com | www.022t.cc | www.867865.com | www.561518.com | www.155782.com | dzyy634.com | v3544.com | 44663885.com | 402d0.com | rr4119.com | 35qq.vip | 59599y.com | www.vns8891.com | www.pj1422.com | www.4394.com | www.47751.net | www.40288h.com | www.mgm777c.com | www.77803b.com | www.2kc.com | www.626212.com | www.86267i.com | l45638.com | 9506a.com | d14666.com | 444000vvv.com | n07958.net | www.9068yy.com | www.225430.com | www.c5c33.com | www.w84f.com | www.41518m.com | www.870933.com | www.025517.com | 5443cc.com | xgsaimahui.com | heji256.com | 5004ooo.com | www.88807o.com | www.173434.com | www.cn365x.com | www.221222.cc | www.yi695.com | www.095588.com | 1770f.com | 048zz.com | yhw4.cc | www.333133i.com | www.bmw0004.com | www.06820p.com | www.97655z.com | www.871660.com | 7YL7999.com | 8522ffff.com | 500000888.com | www.00829z.com | www.693suncity.com | www.820040.com | www.36166z.com | www.345897.com | 112d.net | 365102f.com | www.alpk11.com | www.2302327.com | www.297555.com | www.ybao4.com | 26668z.com | 30173366.com | www.81866a.com | www.hg3875.com | www.79095p.com | www.9818z.cc | 3678cc.com | 3678c.com | bg555666.com | www.230230zf.com | www.790611.com | www.440343.com | 4023x.com | 492uu.com | www.362858.com | www.848777o.com | www.50788y.com | www.095005.com | 1077tt.com | 111122rr.com | www.ra678.com | www.906777.com | www.564880.com | 18775i.com | 2613f.com | www.773333.com | www.97828z.vip | www.luck887.com | tgf8876.vip | 7935g.com | www.695suncity.com | www.78919d.com | www.444201.com | 76886x.com | js910.com | www.33c668.com | www.99677r.com | 1697.com | 998u.cc | www.hg3839.com | www.55717g.com | www.195880.com | 55797m.com | www.betgobet.com | www.jjssss.com | www.708609.com | 4255b.com | www.pj63333.com | www.28000z.com | www.3668m.com | 5906pp.com | 2247x.com | www.491888.com | www.36788b.com | 3614o.com | 55p88.cc | www.0057g.com | www.08gcw.com | 78114422.com | www.555545.com | www.b35ww.com | www.731091.com | 86811m.com | www.9068uu.com | www.93919a.com | www.196046.com | 53262d.com | www.69077.com | www.65707r.com | 7798aa.com | 7736k.com | www.b35tt.com | www.594911.com | j4255.com | www.ylg424.com | www.83993b.com | 3435l.com | 54443h.com | www.8080999i.com | www.36788i.com | 80368qq.com | www.02.bet | www.c5615.com | 3330168.com | www.1hg88.us | www.50054c.com | 8569811l.com | www.7830t.com | www.ribo88.com | 5443t.com | www.9599440.com | www.bb00668.com | 34311.com | LXYL352.com | www.bwinyz22.com | www.84499e.com | 56988z.vip | www.sbd026.net | www.310195.com | 61325599.com | www.3066yy.com | www.66652o.com | zhcp32.com | www.115527o.com | 61789e.com | thrlvxzt.cn | www.535901.com | 3544t.com | www.4759ll.com | www.971406.com | pj1314.com | www.866890.com | www.a991qp.com | 33599bb.com | www.vns3600.com | www.5854p.cc | 6487.com | www.5099hh.com | www.77801a.com | 272nn.net | www.095928.com | 00774uu.com | www.120550.com | www.ztc7.com | 5309.com | www.p3410.com | 88552007.com | www.330067.com | www.77wcw.com | 34k35.com | www.03bet8.com | 6830d.com | www.yyy7777.com | www.16878j.com | 86611h.com | www.11tyc.com | 7989v.com | www.1348-5.com | www.83560.com | 7599gg.com | www.00773i.com | 4195z.com | www.v15541.com | www.hc8858.com | 4809l.com | www.36yl.com | 78117711.com | www.255783.com | 3169.com | www.99951144.com | www.370583.com | 4048vip3.com | www.42969.com | youle296.com | www.97828u.vip | 449649.com | www.27363p.com | d7789.com | www.35553999.com | www.521787.com | www.pj5568.com | www.11025.cc | 5504g.com | www.9989572.com | 9659o.com | www.03a88.com | 22ll8332.com | www.5504y.com | feicai0520.com | www.feilipu4.com | www.89894a.com | www.00618z.com | www.630933.com | www.jbb2015.com | www.5091n.com | 588bbb.cc | www.07163i.com | 33318o.com | www.3691n.com | 3846www.com | www.wns123b.com | tzvip2022.com | www.b35ww.com | 2233blg.com | www.7415ff.com | rrr5682.com | www.79500i.com | 226688f.vip | www.zte777.com | rr8159.cc | www.2377msc.com | 8905c.com | www.799666v.com | 1784.com | www.28000q.com | 15856h.com | www.9737gg.com | 9694c.com | www.u80288.com | 3678y.com | www.0600.cc | 5350e.com | www.3a008.com | 7742l.com | www.8d222.com | 4131.com | www.bang | www.tushan98.com | www.314213.com | www.bet3651214.com | 6601885.com | www.178222a.com | 1213www.com | www.88166n.com | 66150.com | www.490805.com | 3559aa.com | www.51515k.com | lehu556.com | www.611306.com | www.ks1384.com | 6150h.com | www.526688.com | 66665309.com | www.55717j.com | 80060303.com | www.159888a.com | www.333133y.com | 22rr8332.com | www.d58.com | 39990055.com | www.yh7771.com | 8036ii.com | www.974091.com | www.188i77.com | yd12302.cc | www.j1432.com | 1407.am | www.12656.cc | www.00829q.com | 4488622.com | www.7334a.com | 40033mmm.com | www.8499u.com | www.a0055.com | 69440011.com | www.7bet005.com | 40033rrr.com | www.m.55xj.vip | www.362811.com | 2127uu.com | www.5886oo.com | 5504y.com | www.631257.com | www.438686.com | 67890ddd.com | www.22062c.com | www.38200q.com | sss5701.com | www.22mgm777.com | 02888722.com | www.djcp001.com | www.www-26499.com | 874755.com | www.29277b.com | www.77537i.com | feicai0892.com | www.7249s.com | 6137s.net | 22558332.com | www.47506l.com | yy3189.com | www.202423.com | www.4963pp.com | 61328800.com | www.541911.com | www.t456x.com | 32424e.com | www.749996.com | www.34i35.com | 3807ll.com | www.808482.com | www.000xy8.com | 5856a.com | www.805357.com | www.o4042.com | 365-818.com | www.606614.com | www.dcw88.com | man966.com | www.369053.com | www.9737rr.com | 2613d.com | 9789886.com | www.40288w.com | www.g6tk.com | 11001468.com | www.ya2019e.com | www.347579.com | 87965ww.com | www.3890y.com | www.86939.com | 36405500.com | www.453552.com | www.5099pp.com | 6868001.cc | 8182v.com | www.js02345.com | www.29886h.com | 2566h7.com | www.969949.com | www.dfh618.com | am5858.cc | 预览7779o.cc | www.833369.com | www.xpj130.com | 37111n.com | www.630933.com | www.mgm868008.com | 22296ae.com | 66883885.com | www.8499h.com | www.9560gg.com | 33ii8331.com | 3434aaa.com | www.910021.com | www.sun0009.com | 550111i.com | www.83993u.com | www.626902.com | www.9679a.com | 22098z.com | www.196909.com | www.55676o.com | www.40033.1540033.com | 7555r.com | www.197093.com | www.hg594.com | www.h2272.com | 634.cm | hd5009.com | www.yh76o.com | www.hg8059.com | spj80.net | 5350s.com | www.3126j.com | www.8967q.com | www.ylg238.com | 2v939.com | www.599464.com | www.8c555.com | www.5004dd.com | 234903.com | judingbo9.com | www.35231.com | www.50999u.com | www.v65999.com | pu0012.com | www.257760.com | www.6678689.com | www.166tk.com | 30006f.com | 118888k.com | www.619989.com | www.xjs733.com | www.aomenjinsha.com | 111122jj.com | 7726014.com | www.541711.com | www.997263.com | www.490000.com | 1114001.com | 30179911.com | 99bjlxz.com | www.33997g.com | www.50999g.com | www.y1155.com | nn500d.com | 1294f.com | www.693930.com | www.436298.com | www.078999.com | www.58339.com | 3568yy.com | 500000511.com | www.qmfc2.com | www.js89d.vip | www.kj853.com | www.86611m.com | 4465v.com | 071726.com | www.828516.com | www.48330d.com | www.2y932.com | www.alpk88.com | 68228r.com | 1669q.com | www.029079.com | www.6364x.com | www.c2894.com | www.hg7650.com | www.28758r.com | 61328811.com | y7742.com | 33313w.com | www.c9259.com | www.9989589.com | www.6776bb.com | www.y18bb.com | 54443g.com | 70118q.com | 3467m.com | 37111u.com | www.866269.com | www.6126.com | www.1754v.com | www.41hd.com | www.558js.com | 5002ee.com | 52599u.com | 33382w.com | jm8.tw | www.376387.com | www.9478k.com | www.hr1855.com | www.8313f.com | www.341616.com | www.2090944.com | 2927.com | YLHG6868.com | 3522ee.com | zhcp47.com | www.86267o.com | www.77fh.com | www.hg302.com | 7893500.com | 9895u.com | www.83993o.com | www.802865.com | www.50052m.com | www.42456699.com | www.30k0048.com | www.jjjj44444.com | www.31399t.com | www.68666j.com | 2649o.com | 79333040.com | ctxcp90.com | hd81366.com | 2455.cc | amhj.cc | www.356477.com | www.333xhtd.com | 7240.com | www.096308.com | tuchong.com | www.4111511.com | www.35000.cc | 52688h.com | 28485000.com | 32365t.com | j333.cc | p8881.com | un55.com | 1331vv.com | 6601.co | 77663885.com | www.142525.cc | www.796786.com | www.36788h.com | www.959595.biz | www.2848.tt | www.1754q.com | www.4996lz.com | www.4694e.com | www.1343.com | www.6511msc.com | www.jinniu00.com | www.04080.com | www.kk8996.com | www.7494455.com | www.3844f.com | www.00618z.com | www.67797h.com | www.gef777.com | www.vnsr500.com | www.7720y.com | www.pj9087.com | www.ylg292.com | 78114499.com | www.68666w.com | 9194js.com | www.fh6666.com | www.hg80999.com | www.xpj3333.cc | www.hg988800.com | www.76060e.com | www.9999wns.com | www.700y.com | www.xjs8891.com | www.2643j.com | www.22557712.com | www.755789.com | www.9999xx.com | www.133suncity.com | www.20199ww.com | www.79500n.com | www.8313s.com | www.http://07771.com/ | www.265875.com | www.77786yh.com | www.714115.com | www.1237777.cc | www.yh9877.com | www.15355k.com | www.akw4.com | www.703193.com | www.282990.com | 4233.com | yh888w.com | 1665zz.com | 7893w8.com | 3242h.com | 655661188.com | 2709r.com | www.554js.com | www.js07999.com | www.004439.com | www.7335y.com | www.hg8jj.com | www.xpj33884.com | www.954321l.com | www.33598r.com | www.hf6880.com | www.362588.com | tt888v.com | 9694k.com | 3657.cc | 7508o.com | 47749k.com | www.hg00188.com | www.40686b.com | www.5049n.com | www.3032bb.com | www.606010.com | www.2109f.com | www.533081.com | 69449955.com | 4066v.com | 5856h.com | 3379m.com | www.gt885.com | www.11777999.com | www.tyc723.com | www.c94600.com | www.16878z.com | www.599046.com | 0729b.com | d8159.cc | 22299dd.com | www.dc550037.com | www.xhtd1985.com | www.38345s.com | www.1434p.com | www.5854r.cc | www.rcw8866.com | 2324rrr.com | 0208ll.com | jjttj.com | www.66654666.com | www.xj666i.com | www.73990f.com | www.60123f.com | www.602266.com | 6869822.com | x33c.vip | 44488k.com | www.55520666.com | www.7415oo.com | www.jzvip22.com | www.817824.com | 249163.com | 0729i.com | y00351.com | www.701439.com | www.1851136.com | www.0270e.com | www.456685.com | 86811c.com | 496kk.com | www.benz4433s.com | www.3agcpw.com | www.0343a.com | www.912183.com | 29918zz.com | 5219c.com | www.vns7828.com | www.327msc.com | www.68993221.com | www.755740.com | 3202l.com | 52599b.com | www.67797x.com | www.99113e.com | www.78700m.com | www.135368.com | c388n.com | 131a.net | www.8422.com | www.pj55713.com | www.910336.com | 1495f9.com | df8r.com | www.ts66888.com | www.4521j.com | www.gocp3.com | zz620.com | 11ll8332.com | www.06797x.com | www.91779n.com | www.hy5455.com | 1591003.com | 50067s.com | www.js9857.com | www.42070018.com | www.767200.com | 2709h.com | 334611.com | www.246hao.com | www.bet73p.com | www.29277v.com | 3405xxx.com | www.h7788t.com | www.1429e1.com | www.061wy.com | 1234.cc | 3434c.com | www.073343.com | www.bet73g.com | 6647q.com | xpj5345.com | www.3467o.com | www.99094e.com | www.339132.com | 77818.com | www.7830q.com | www.c2894.com | www.572102.com | 0778.com | www.76543b.com | www.ag3388.com | www.598074.com | 55717aa.com | www.8694u.com | www.77784yh.com | www.458178.com | 7599s.com | www.133vns.com | www.flb277.com | www.86267a.com | 61321155.com | www.168345.com | www.66376t.com | 0300.com | 4052aa.com | www.8473w.com | www.788257.com | y6660.com | www.9679a.com | www.614377.com | pj38839.com | 9995s.cc | www.5049h.com | www.qucw.com | d2306.com | www.77537z.com | www.bet3651689.com | feicai0511.com | 3009y.com | www.xlcp.com | www.950596.com | 3066nnn.com | www.yh8352.com | www.919699.com | 3552i.com | www.bmw0005.com | www.3337795.com | www.109026.com | 87965jj.com | www.5360.com | www.876928.com | 3405vvv.com | www.790808.com | www.9205d.com | 3176688.com | www.js6667.com | www.aobo195.com | 78116655.com | www.617702.com | www.4833043.com | 80060202.com | www.xpj1122.cc | www.4625.com | 20777788.com | www.35530.com | www.blr6644.com | 69990.com | www.86611y.com | www.6sun.com | 66335002.com | www.546005.com | www.78919g.com | 673bet.com | www.3337hg.com | www.ya2019r.com | 364860.com | www.25288u.com | www.36166x.com | 25288z.com | www.836690.com | www.hx1112.com | 30688d.com | www.998855r.com | www.569380.com | 33382v.com | www.9170113.com | 8520n.com | www.1112xj.com | www.37377o.com | 3424z.com | www.hd66.am | www.hx1182.com | 8037fff.com | www.8850w6.com | 99bjlxz.com | www.wn2088.com | www.7434b.com | nn500g.com | www.300699.com | www.700539.com | mgm3242o.com | www.8883066.com | 99151i.com | www.25288p.com | www.081wy.com | 71626.com | www.hgw6668.com | jxddcs.com | www.00618x.com | www.088wy.com | 73hg.com | www.a.pj1308.com | 8957c.com | www.hg8855.com | www.976387.com | 2381rr.com | www.86339m.com | 3936d.com | www.03808.com | www.377675.com | v9966.com | www.9646m.com | 3678h.com | www.99113d.com | zhcp24.com | www.ks1384.com | www.854980.com | qq2649.com | www.xb88.com | 89777k.com | www.9737uu.com | nck5273.com | www.pj01.com | www.377501.com | www.8520e.com | www.57578g.com | 2214t.com | www.5719b.com | le888o.com | www.6a555.com | 5360ee.com | www.27111x.com | www.599642.com | www.g67783.com | www.9478v.com | dzhcp.com | www.365007.cc | 0259.com | www.vip9582.com | 8550500.com | www.9611msc.com | x5039.com | www.157479.com | www.330175.com | www.537bet.com | www.912452.com |