Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If you want to get rid of it, you have to wait five years. After the five-year retrospective period, the bank will automatically cancel the blacklist. However, please note that if your original behavior is too bad, the bank can ask for further traceability (provide relevant certificates, such as repeated door-to-door failures, malicious fraud, etc.), which means it will last for five years or even permanently.

Non-malicious arrears enter the blacklist

"Having an annual fee is the most likely thing to happen. Some people forget their credit cards once or twice, or don't open them at all after they get them; Another part may forget to pay the annual fee for each card because of holding too many credit cards. If the investigation is true, we will have a judgment of non-malicious arrears in this case. "

If you just inadvertently owe money for a few days and then take the initiative to pay it back soon, you can also waive the "blacklist" as appropriate. The staff of Dayong Sub-branch of China Construction Bank also said that the bad records caused by the arrears of annual fees will be specially handled and will not be blacklisted easily. In addition, banks will distinguish between bona fide arrears and malicious arrears as appropriate.