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Banks like customers with loans very much, especially when their houses and cars are mortgaged! (Provided that the repayment is normal. )

Second, credit cards were maliciously blacklisted five years ago. Can I still get a loan from the People's Bank in five years?

Credit cards were blacklisted five years ago. Can I still apply for a loan at the People's Bank in five years? Personal credit records of credit cards are only kept for 5 years and will be cleared after 5 years. At this time, you can report to commercial banks (note: the People's Bank of China is a management institution, not a commercial bank, no.

If the debt is not paid off, the record will still exist after five years. The so-called zero settlement after five years is calculated from the date when all arrears are paid off.

Personal credit is managed and recorded by the Credit Information Center of China People's Bank.

People's credit information tips, personal credit information summary and personal credit report are three products and services.

1. Personal credit reminder prompts registered users to collect personal records in one sentence;

2. Personal credit information summary shows the personal credit status summary of registered users, including credit records, public records and inquiry records.

3. Personal credit report shows the basic information of personal credit information for registered users, including the detailed information of credit records, some public records and inquiry records.

Can I apply for a loan if my credit card expired four years ago and was blacklisted? Yes If the credit card has a bad record, it can be automatically eliminated in the subsequent record.

Credit card list, can I still get a loan? Conditions for applying for loan business:

1,18-a natural person aged 65;

2. The borrower is 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

The credit card is overdue for many times, and the blacklist is more than 60 days. It is recommended to repay the loan on time and cherish the credit.

How long is the overdue credit card of CITIC Bank blacklisted? Credit cards are generally overdue for 3 months.

First, the Supreme Law and the Supreme People's Procuratorate jointly issued the "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management", saying that banks have twice called for payment.

1. First, in the judicial interpretation, two restrictions were added to "malicious overdraft": First, the issuing bank made two collections; Second, more than three months.

2. Second, because the crime of "malicious overdraft" is a deliberate crime with the subjective purpose of illegal possession, this is a very important constituent element of this act.

3. Thirdly, the judicial interpretation clarifies that the amount of "malicious overdraft" refers to the rejected money, excluding the late payment fee and compound interest charged by the issuing bank.

Fourth, according to the criminal policy of combining leniency with severity, those who have repaid the overdraft interest before the judgment or before the public security organ files a case will be given a lighter punishment or will not be investigated for criminal responsibility, so that those who "maliciously overdraw" will be investigated according to law, and at the same time, the legal warning and education function will be exerted to minimize criminal punishment.

2. According to Article 196 of the Criminal Law of People's Republic of China (PRC), "malicious overdraft" is a credit card crime.

1. Article 266 of the Criminal Law, if the amount of public or private property is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and shall also be fined or confiscated.

2. Article 196 of the Criminal Law stipulates that if the amount of malicious overdraft is more than 654.38+million yuan but less than 654.38+million yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

How many days did the bank loans overdue enter the blacklist? Every bank is different.

China's top five banks will be blacklisted for more than three months and five times.

Loans overdue will show that it is n months overdue, and several months overdue if it is not repaid in full and on time, not counting days. The credit report provided by the Credit Information Center only shows personal real and objective credit records for your own understanding and reference. There are no supporting documents, no evaluations and no so-called blacklists. However, commercial banks will basically set their grades according to their own specific conditions, and each bank is different. However, if the loan is overdue for a long time, it will become bad debts, and it is basically difficult for commercial banks to obtain credit.

Those who are overdue for 8 times or twice in 90 days will be blacklisted.

The loans overdue record caused by your personal reasons is irrevocable. The publicity period of overdue records in personal credit reports shall be implemented in accordance with the relevant provisions of the People's Bank of China.

If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.

Bank of China online customer service:: 95566. BOC/ZIM/

Mobile Banking Download: Bank of China. /ebanking/service/cs 1/20 1009/t 20 10092 1 _ 1 1946。

Online loan application: ebsnew.boc./boc15/loginpreloan. Locale=zh2。 Have a stable job and income source. 2. Materials and certificates required for handling: 1. For domestic residents, you only need to provide: a complete and signed application form, identity certificate, residence certificate and income certificate; 2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit; 3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided. 3. If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license and a copy of the car driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc. 4. Processing method: 1, application at the bank counter; 2. Credit card application in official website; 3. Apply to the bank credit card salesman; 4. You can apply on WeChat;

4. Can a bank get a credit card if it has a mortgage?

Having a mortgage does not affect the application for a credit card.

1. Under normal circumstances, the bank will analyze and score the applicant's comprehensive qualifications. The scoring criteria will include the applicant's safety support score and economic support score.

2. Among them, the score of economic support includes the monthly debt repayment, and the higher the monthly debt, the lower the monthly score. The score of security support includes the score of housing right, the score of private house purchase is high and the score of private house purchase is low. Therefore, the scores of the two factors can basically offset each other, and the simple debt does not affect the credit card application.

3. In addition, mortgage, as a bank loan business, is closely related to credit card business. When banks apply for mortgage loans, they will strictly examine the qualifications of the applicants, and at the same time, they will use the purchased houses as loan collateral, which is more secure.

4. In the bank's view, applicants who have had mortgages have proved their financial situation, and it is easier to get bank cards with collateral, and even the credit card quota is higher.