1. What is the credit blacklist?

Some people may mistakenly think that the credit blacklist refers to dishonest people. In fact, there is still a very big gap between the two. Here is a small Mao first introduces to you what the credit blacklist means.

The credit blacklist actually refers to borrowers whose loans are overdue multiple times and the overdue time is very long. If we are overdue more than the specified number of times, our credit report will also turn black, that is, Will be defined by the banking system as a central bank credit black account.

Generally, the overdue period is more than 90 days in a row, and the number of overdue items has accumulated to more than 6 times. If the number of overdue items exceeds this limit, most banks will blacklist you and we will not be able to handle any transactions. Bank loan.

The consequences for a dishonest person are much more serious than a credit blacklist. A dishonest person generally refers to someone who is overdue and has been sued by the loan platform. The court will order you to pay back the money. If you refuse to comply, you will be fined. If you are listed as a dishonest person, you will be restricted from all high-consumption activities. High-speed rail travel or air travel are not allowed until you pay off the debt.