Which organizations are the members that contribute credit information to the PCB? How is the data transferred to the PCB?

Credit information are contributed by Credit Institution such as comercial banks, finance companies., etc. They are members of PCB and this information is transferred from their Headquarter to PCB. 

Under what circumstances would the Credit report of the Borrower be conducted?

Usually, the credit report is conducted in the following circumstances:

-Before granting a new credit product: credit card, overdraft loan, home loan, car purchase., etc;

-Before raising credit limit;

-After receiving information that can predict the repayment ability of the borrower;

-When borrowers are late for their payment., etc. 

How is the PCB credit report used?

Credit reports are used by Credit Institutions to determine credit history of Borrowers with other organizations that are members of the PCB. This report can also be used when credit Institutions want to check the credit status of borrowers.

Credit Institutions usually care about the following information:

-Debt repayment status;

-Are there any bad debts or bankrupts happening;

-Number of loan contracts;

-Overdue debt amount, etc. 

Does PCB give any opinion or advice to Credit Institutions about granting credit to borrowers?

PCB does not give any opinion or advice to Credit Institutions; PCBs only collect and share the information. When evaluating the borrowers, the Credit Institutions themselves conduct independent research and will make their own assessment based on the information provided from the report. Moreover, when Credit Institutions accessing borrower’s Credit report, they also establish their own criteria to identify risky borrowers. 

Who can register to use the online services at PCB?

Credit officers, Customer relations officers at credit institutions have signed contracts of supplying Information and Credit Information Services with PCB. 

How do I register to use the service?

To ensure safety and security, PCB only provides online service accounts according to Branches or Headquarter of each Credit Institution. For this reason, please contact a specialized department within your Branch / Headquarter. 

Where can I use the PCB's online service?

Credit Institutions' officers granted access names and passwords can browse at: https://online.pcb.vn to login and use PCB's online services. 

What should I do in the first login?

During the first login, the system will ask and request you to change your password. 

What is the password rule?

Length: Minimum 8 characters and maximum 127 characters.

Password should contain 3 out of 4 elements: lowercase letters, uppercase letters, numbers, special characters. Notice: The new password should not coincide with the previous password settings (the system does not allow users to reuse the password more than 5 times). 

What should I do if I forgot my login account or password?

When you forget or lose your login account: you need to contact the PCB through a contact point in your Branch / Headquarter. When you forget or lose your password: you need to contact PCB Customer Service for help in getting your system login password. 

Why does the system say "Your account is temporarily locked" when I log in?

If you log in and enter the wrong username / password for 3 consecutive times, the system will automatically lock your account. To get your password back, you need to contact PCB Customer Service for help in getting your password back to be able to get into the system.

What should I do when I am using the service and the program automatically returns to the login page and display the message "Session Timeout"?

The system displays the message "Session Timeout" only when you are still logged in but do not perform any action within 20 minutes.

Can I use the system 24 hours / 7 days a week?

Yes, you can. PCB's online query service works 24/7.

end faq