The overdue borrowing of library books generally does not affect personal credit, but different libraries have different regulations and penalties for overdue borrowing of books. General libraries will detain overdue loans and fines. If there is overdue borrowing, we only need to pay the fine according to the regulations and return the book in time. In the future, we should cherish books and return them in time.

Introduction of credit report inquiry channels

1. Where can I check the credit report offline?

1. Counter inquiry: The People's Bank of China branch 2 100 provides counters and self-service inquiry machines at more than one inquiry point.

2. Self-service inquiry machines: The People's Bank of China provides more than 7,000 self-service inquiry machines for inquiry through branch inquiry points and some commercial bank outlets.

3. Bank self-service teller machines: For details of the inquiry process of self-service teller machines, counters, self-service inquiry machines and credit report in some branches of ICBC, China Construction Bank and China Merchants Bank, please log in to the Credit Information Center in official website: www.pbccrc.org.cn or call the official customer service telephone number of the Credit Information Center at 4008 108866 for consultation.

Please call ICBC, China Construction Bank and China Merchants Bank for customer service information. Check my credit report offline, and remember to bring my valid ID!

2. Where can I check the personal credit report online?

1. Login to the Credit Information Center official website: www.pbccrc.org.cn entered the Internet Personal Information Service Platform to operate.

2. Bank online banking: Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank, China CITIC Bank, China Guangfa Bank, Shanghai Pudong Development Bank, Minsheng Bank and Postal Savings Bank.

3. Mobile banking APP: ICBC, Bank of China, China Construction Bank, Bank of Communications, China CITIC Bank, China Everbright Bank, China Merchants Bank, China Guangfa Bank, Ping An Bank, Shanghai Pudong Development Bank, Minsheng Bank, Agricultural Bank, Postal Savings Bank, China UnionPay, and China UnionPay.

3. Where can I check the enterprise credit report online?

1. Bank online banking: ICBC, Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, China Guangfa Bank, Shanghai Pudong Development Bank, China Bohai Bank, China Bank, Ping An Bank and Minsheng Bank.

2. Mobile banking APP: ICBC, Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Ping An Bank and Minsheng Bank.

Note: The Credit Information Center currently authorizes online banking and mobile banking apps of national commercial banks, China UnionPay China UnionPay Express APP and self-service teller machines of commercial banks to provide credit report inquiry services. The inquiry channel not authorized by the credit center is illegal, and there is a risk of information leakage!

The inquiry channels and coverage areas of the pilot banks are different. For details, please log in to www.pbccrc.org.cn, official website, or call the official customer service telephone number 4008 108866 for consultation. For relevant information, please also consult the customer service telephone number of the pilot commercial bank.