Under normal circumstances, black households can't get loans, and banks will doubt their repayment ability. In this case, banks will refuse to lend in order to prevent risks. Black accounts in banks generally refer to people with bad credit records. Usually, if they don't repay their credit cards or other loans overdue, they will be blacklisted.

However, people on the blacklist can borrow money through other channels, such as loan companies, private lending and mortgage loans. Although you can borrow money through these channels, you will face great risks, especially the interest generated by borrowing. The interest generated by these loans is generally higher than that of banks, so it must be used with caution.

In fact, credit information is generally kept for five years, but banks will check the records of the last two years when lending. After becoming a black account, the most important thing is to "wash the white", which generally means paying off the arrears quickly. If there are still unfrozen credit cards, you can continue to use them and repay them on time every month. Generally you can apply for a loan after two years.

If the illegal household is not caused by itself, you can apply for reconsideration, but you need to submit relevant evidence, such as theft of personal information or other reasons. As long as the certification materials are reliable, the records on the credit report will be revoked.