Legal analysis: It takes five years. Because credit record is a dynamic process, just like a person's reputation. Although it is easy to destroy, there are also ways to repair it. Therefore, if you want to withdraw from the blacklist of banks, you only need one countermeasure, that is, repay in full and on time in the future. If you have a credit stain in the process of using a credit card or repaying a loan, continue to use it for 24 months after paying off the arrears, and cover the previous negative records with good records before doing other treatments, because what you see in the credit report is only the records of the last 24 months.

Legal basis: Regulations on the Administration of Credit Information Industry

Article 16 The retention period of personal bad information of credit reporting agencies is five years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

Twenty-fifth information subjects believe that there are errors or omissions in the information collected, saved and provided by credit reporting institutions, and have the right to raise objections to the credit reporting institutions or information providers and ask for correction. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents. After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded. Extended data:

Customers who are overdue within 90 days will generally not enter the prohibited category (blacklist), but it will have a certain impact on handling loans or credit cards. If customers are prohibited, no bank can handle credit cards and loans. Look at the standard of forbidden customers: forbidden customers: the credit report reflects that the applicant has a serious bad record and the applicant's willingness or ability to perform debts is seriously flawed. The previous debt has formed a factual risk and meets one of the following conditions: the loan or credit card account status shows abnormal status such as freezing, payment suspension and bad debts; The last twenty-four months of the credit card (note: the credit card with the account status of "account cancellation" refers to the last twenty-four months of the inquiry time and the last twenty-four months of the settlement year, the same below), with G (outstanding account cancellation) or four (the minimum repayment amount of the credit card has not been paid for four consecutive times, and the quasi-credit card is overdrawn by 9 1 to 120 days. The credit card has not paid the minimum repayment amount for more than eight times or twice in the last 24 months (the credit card has not paid the minimum repayment amount for three consecutive times, and the quasi-credit card has been overdrawn for 61 to 90 days); In the repayment record of the loan in the last 24 months, the accumulated overdue times are more than eight or three times (overdue for 6 1 to 90 days) and more than two times; The business department determines other individual customers who should enter the prohibited category.