Legal analysis: Black bank accounts refer to personal accounts whose loans or credit cards are overdue in the bank credit information system and blacklisted by banks. It is mainly reflected in the credit report, which has a great influence on individuals applying for credit cards and loans in the future. You need to fill out a loan application form to buy a car by installment. If it is already a black account in the bank, you can't do it by installment.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.