The credit blacklist can also be called the list of executors of bad faith, as the name suggests: it is the person who is enforced to pay the debt, do not fulfill the obligation to pay the debt. The role of the credit blacklist is, so that people who borrow money and do not pay back nowhere to hide, can be queried on the platform of everyone catalyst whether to the bank or to the p2p company borrowers, as long as the overdue is not exchanged, can be queried.
2. In this credit situation, usually apply for credit cards or loans are extremely easy to be rejected by the bank. The blacklist generally refers to the personal credit more than 90 consecutive days late. A good credit record is the most basic condition for a customer to apply for a loan, and if you are late for more than 90 days in a row, you will be included in what is commonly known as the "blacklist", and any organization will not dare to give you a loan.