Strictly speaking, it is not called a "black account", but a credit blacklist.

The consequences of a credit blacklist:

1. You can't apply for a loan at a bank, a microfinance company, or any other financial institution. Not only do you want to take out a loan to start a business, but you will also be denied a home loan or a car loan. In modern society, having a car and a house has become the standard of life. Imagine if you have a stable job, with the ability to repay, but because of poor personal credit record, and can not get a home mortgage loan from the bank, car loan, I think the whole person is broken.

2. You can't get a credit card anymore. If there is a bad record of personal credit, it is no longer possible to get a credit card for personal daily consumption. In each bank is the same, because each bank can check your credit record.

3, affecting personal travel. If the personal credit record is blacklisted, such as the existence of malicious delinquent bank loans do not pay back, was sued by the bank. Will lead to the borrower can not take the airplane, can not stay in star hotels and so on.

How to get on the credit blacklist:

1, usually referred to as the blacklist or bad record refers to the bank's poor evaluation of personal credit, which directly affects the individual to the bank to carry out loans and other business. For the last 24 months of an individual's loan repayment status, the credit report will also be listed. Once an individual fails to make a payment on time resulting in a late payment, a range of overdue days will be shown on the credit report, with "1" indicating 1-30 days overdue, "2" indicating 31 - 60 days overdue, and so on. and so on. The agency calling up a person's credit report can then easily determine how good a person's credit is and how many negative records they have.

2, the general loan requirements late limit is, in the last three months can not have two, in the last six months can not have three, in a year can not have four. If the number of consecutive late days exceeds 90 days, it is prohibited, basically can not get a loan. If you find any deviation from the record, you can file an objection directly with the central bank's credit management department and get a written reply within 15 days.

3, in addition, many people think that the personal credit report is a "blacklist", that the credit report is to record their bad aspects. As a matter of fact, the personal credit record contains both information about individuals who have overdue payments and information about individuals who have paid their credit cards and loans on time and have good credit over a certain period of time. For people with good credit, a personal credit report can be beneficial to them in various aspects such as loan applications, and can increase their personal credibility. In fact, the central bank credit center does not evaluate personal credit, and there is no credit "good" or "bad", the central bank credit center is only a "record" rather than a "judgment". The central bank credit center is just a "record" and not a "judgment". The current bad record is just a bank in order to prevent the credit risk and make a judgment, the commercial banks on the personal credit judgment standards are different.