If there is a credit stain, it will be reported to the People's Bank of China. All banks know about it, so they can't handle credit cards, loans and so on.

2. Can I borrow money to buy a car with a black bank account?

Black households can borrow money to buy a car. You can apply for an auto loan from an auto financing company. Usually, auto financing companies have lower requirements for applicants and are easy to pass, but the interest rate will be higher. Check the applicant's credit history, once the applicant is a black-door loan, it will be difficult to pass.

Bank black account refers to the user being pulled into the internal blacklist by the bank because of bad credit.

When a general user uses a card and other services, if the bank refuses on the grounds of insufficient credit points, it means that the user has been blacklisted by the bank. The reference factor of bank black households is personal credit record. Under normal circumstances, bad credit records will be automatically eliminated after 5 years. Therefore, the bank black account is not permanent, and users can cancel the bank black account by automatically eliminating the loans that lead to credit stains.

In order to avoid bad credit reports, you need to master 4 Don 'ts:

First, don't withdraw money illegally. This is a big no-no for credit cards. No matter how much money you spend and how many times you use it every month, if you use it illegally, the bank absolutely refuses to take the current action. No matter how good your reasons and professional background are, you will be rejected by the bank.

Second, don't pay the minimum repayment for a long time. From the bank's point of view, it may be impossible to repay the principal for a long time. Under controllable circumstances, your quota will be withdrawn to reduce the risk of overdue.

Third, don't lend your credit card to others. Legally speaking, if you are illegally swiped and cause losses, the bank can ask you to return your credit card.

Fourth, don't be overdue. This is the basic principle of using credit cards. If the credit is influential, the overdue information should be kept in the record for 5 years. In these five years, everything related to credit, including mortgage, personal loan and mortgage loan, will have a certain impact.

Third, can black households buy a car?

If a black household buys a car, it generally has no effect to buy a car in full. However, considering that the loan to buy a car is still influential, it is generally difficult to apply for approval.

4. Can black households buy a car at Easy Car?

In the national census, black households are people who have no household registration information, no household registration card (permanent population registration card) and no identity card, so they can't buy a car for motor vehicle registration. After buying a car, you need the identity certificate of the owner to register the motor vehicle.

According to the provisions of Article 9 of the Regulations on Motor Vehicle Registration, registration shall not be granted in any of the following circumstances:

(1) The certificates and vouchers submitted by the motor vehicle owner are invalid;

(2) The certificate of origin of the motor vehicle has been altered or the owner of the motor vehicle recorded in the certificate of origin of the motor vehicle is inconsistent with the identity certificate;

(three) the certificates and vouchers submitted by the owner of the motor vehicle are inconsistent with the motor vehicle;

(four) motor vehicles produced without the permission of the competent department of motor vehicle products in the State Council or imported without the permission of the competent department of motor vehicle import in the country;

(five) the technical data related to motor vehicles are inconsistent with the data published by the competent department of motor vehicle products in the State Council;

(six) the model, engine number, vehicle identification code or related technical data of the motor vehicle do not meet the national safety technical standards;

(seven) the motor vehicle has reached the compulsory scrapping standard stipulated by the state;

(eight) the motor vehicle is sealed up or detained by the people, the people's procuratorate and the administrative law enforcement department according to law;

(9) The motor vehicle is stolen or robbed;

(ten) other circumstances that do not conform to the provisions of laws and administrative regulations.