1, blacklisted by banks is generally due to the use of credit cards. If it is kind, it can be lifted for you. If it is dishonest, it will be more troublesome. Even if it is paid off later, it will be kept for 5-7 years, and then the ban will be lifted automatically. If you don't return it, there will always be a record.

2. Goodwill debt. In other words, non-malicious arrears, such as "being loaned", accidentally forgetting to pay the annual credit card fee or overdue for several days, are all goodwill arrears. The first case needs to be solved by legal means. As long as the evidence is sufficient, you can apply to the central bank for objection, which can be lifted within 20 working days after verification. In the latter case, it is easier to negotiate directly with the bank and voluntarily pay the arrears, which can help you eliminate after the two sides reach an agreement.

3. Malicious arrears. This is easy to understand, that is, subjective and intentional arrears, or repeated enforcement, so because this blacklist will not be eliminated for at least 5 years, if the arrears are paid off, then the bad credit record should be automatically lifted after 5 years or in the seventh year, otherwise it will always be blacklisted, which will not only prevent bank loans, but also restrict travel.