Identity cards are blacklisted because of the arrears of mobile phones, which may indeed affect bank loans and credit card applications. First of all, whether it is mobile, China Unicom or telecom, once the mobile phone account is in arrears, the bank's credit information system will record it. Banks will consider the borrower's credit history when approving loans or credit cards. Default in payment for goods may be regarded as a signal of credit risk, which will affect the examination and approval results.

For Unicom users, although the credit information system will not be blacklisted directly, banks may consider Unicom's controversial handling of arrears, which may reflect users' credit management ability and thus have a negative impact on loan or credit card applications. Users need to pay the arrears in time to avoid the accumulation of long-term bad records affecting the credit rating.

Arrears of downtime is not a permanent punishment, and users can solve it by recharging, increasing credit line or applying for emergency start. Major operators have provided a variety of payment methods, such as cash, prepaid cards, online banking payment or customer service hotline application. In short, in order to maintain a good credit record and avoid adverse effects on bank loans or credit card applications, it is very necessary to deal with the arrears of mobile phones in time.