Strictly speaking, there is no such "bank blacklist", but the auditing standards of banks are different every month. After credit inquiry, it is found that the borrower is overdue, and after evaluating factors such as frequency, amount and time, it is decided whether to approve or not.

For those records that are overdue for too many times and with a large amount, basically all banks will refuse to lend. This is the so-called blacklist I suggest you contact the credit manager directly to explain your situation and see if you can apply successfully.

Inquiry method: log in to the online personal credit inquiry system of the People's Bank of China to inquire-verify personal information-submit an application-enter the identity verification code to view the electronic credit report.

Extended data:

Personal credit inquiry:

There are generally two ways to check personal credit information. The first is that customers can inquire online. You can apply for a personal credit information report after you enter your personal information and register your account through the Credit Information Center of China People's Bank. The report has an electronic version, and customers can keep it.

The second way is that customers can go to the central bank or commercial banks authorized by the central bank to print their own credit reports, which can be a short version or a detailed version. Lenders can bring their own identity documents and print reports according to actual needs.

It is worth noting that customers can only print credit reports for free twice a year. If they print more than twice, they need to pay some fees. Customers should also pay attention to this and try not to print personal credit reports at will.

There will be more detailed customer credit records on the credit report, and these loan records will always be kept on the credit report. Of course, as long as the lender is not overdue, these loan records will not have any impact on customers and belong to relatively neutral information.

Common remedial measures for credit inquiry:

If there are too many inquiry records in the name of "loan approval" and "credit card approval" in the personal credit report, customers should be careful not to apply for credit cards and loans in the next few months if they want to remedy them.

Because the new records in the credit investigation will gradually cover the old records, as long as the customer has not handled the credit business for a period of time, the credit investigation will show a new state after these months (preferably 6 months), and there will not be so many inquiry records in the name of "loan approval" and "credit card approval" at that time. And the situation of "expenditure" caused by too many "hard" query records can be improved.

Pay attention not to borrow frequently at ordinary times. Otherwise, credit cards and loans will be processed after the multi-head loans are recorded in the credit report. Banks (lending institutions and platforms) are likely to worry about their insufficient repayment ability and unstable economic life because of the high personal debt ratio reflected in the customer's credit report, and are likely to refuse to approve cards and loans.