Black account of credit card refers to the situation that personal credit card consumption has a record of default, overdue payment, or annual fee due to the failure to open or cancel the credit card in time, which will be included in the bad record of personal credit report, and even become a black account of credit card in serious cases. Credit card black account and bank loan black account are actually of the same nature. Being blacklisted by the bank basically means that you have lost the opportunity to deal with relevant financial institutions.

Black users of online loans are users who failed to repay on time after applying for online loans and have been blacklisted for a long time. Black users also refer to people who are eager to use money, many loans can't be loaned, and blindly apply for other loans. If they apply for loans frequently in such a short time, they will be detected by the big data risk control system and directly blacklisted. Internet users generally stay in the online loan platform system. General online loans will not be reflected in the credit report, so it will not affect your credit report.