If you have entered the "blacklist" of the banking system, it is almost impossible to apply for a bank loan or credit card again.

Bank blacklist refers to users who are overdue for a long time, have failed to repay for many times, illegally cashed out, and have been listed as refusing credit by relevant banks.

Being listed as a bank's "problem customer" and entering the "blacklist" of the banking system, which is what we often call "black account", has certain standards. Only those who have many overdue repayment records in the bank and have extremely poor credit can become black households.

Extended data

The following behaviors will enter the "bank blacklist":

1, credit card for 90 consecutive days (three consecutive days), or six overdue payments (six consecutive days).

2. Car loans and mortgage loans are overdue or unpaid for 2 to 3 months.

3. Personal credit card cashing is serious.

4. Being included in the list of untrustworthy people, the debt has not been paid off so far.

5. Failing to pay the annual credit card fee and interest on arrears (including late fees and penalty interest) in time.

6. Other loans are not repaid in time.

References:

? Baidu encyclopedia-credit card blacklist

References:

? People's Daily Online-The "blacklist" of dishonesty cannot be lent to the person subjected to execution for voluntary repayment.