Credit Bureau

Personal loans and credit cards have become part of our every day life, and Citibank continuously tries to expand and improve the quality of its services. Part of that effort is informing the public about all aspects of borrowing money. On this page, we would like to inform you about the Credit Bureau, which is managed by the company CBCB - Czech Banking Credit Bureau, a.s., with the participation of Czech banks, and also to explain what advantages the existence of the registry brings not only to banks, but also to you.

The Credit Bureau is not meant to be way to limit the provision of banking services to the public. On the contrary, it is a tool, which helps banks to coordinate their approach to clients who do not repay their obligations. Those of you who repay your obligations in due course, rather benefit from the registry in several ways.

What are the advantages for the customer?

The primary advantages are:

• a quicker approval of loans and other banking products – access to the database is in real-time
• more advantageous conditions for dependable clients – if you repay your obligations in due course and on time, it will be much easier for you to receive the next loan or even mortgage based on your good references
• The bank’s stability – if the bank is not burdened with problem loans, it can loan money without concern and also expand its services