Personal advice:

The reason is actually very simple. If you want to buy a mobile phone in installments, you need to check your personal credit information for all installment payments. If a person's personal credit information is seriously overdue or even has become a black account, this person will definitely not be able to apply for a loan in the bank, and at the same time, he will not be able to obtain any credit line.

If you want to buy a mobile phone in this way, the most important thing is to maintain your personal credit information and apply for a loan product if there is no problem with the credit information. In fact, however, since your credit information has become a black account, it will take at least three to five years to maintain your personal credit information.

How long will the blacklist of credit information be eliminated?

1. If the "blacklist" refers to the bad records in the personal credit report of the central bank, then this record has a time limit, and the bad information is retained for 5 years from the date of termination of the bad behavior or event.

2. If the information on the list of untrustworthy executors needs to fulfill its obligations before applying to the people's court for deletion from the list of untrustworthy executors. The five-year period starts from the actual repayment date, not the repayment date, that is, after the loan is paid off, the overdue records exceeding five years will be automatically eliminated. 、

legal ground

According to "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust", if the executed person has the ability to perform but fails to perform the obligations specified in the effective legal documents, and it falls into one of six situations, the people's court shall include it in the list of executed persons with breach of trust and impose credit punishment according to law.

In fact, the central bank's personal credit report is an objective record of personal credit information, and the credit center will not make any judgments, and there is no real credit blacklist.

If it is a list of people who have broken their promises, you can log in to the Supreme People's Court. Click on the column of "Publication and Inquiry of Information on the List of Persons Executed by Dishonesty in National Courts" to find the information on the list of persons executed by dishonesty entered by people's courts at all levels in the country.