The second-generation credit blacklist refers to users who have bad personal credit records after the second-generation credit system is launched. The credit blacklist refers to users with bad personal credit records. In this case, your application for a loan will be rejected by the bank. It is worth noting that the second-generation credit blacklist is different from the execution list of dishonest persons. Generally, the execution list of dishonest persons will restrict high consumption behavior, but the credit blacklist will not.

Users must maintain a good personal credit record in normal times. Only in this way can they successfully apply for a loan. Usually a bad personal credit report is caused by late repayments, such as late repayments on credit cards, late repayments on loans, etc. In order to avoid overdue payments, you must understand your repayment ability in detail when using credit cards and loans.

Personal credit records record different information, including the identity information verification results of the Ministry of Public Security, basic personal information, bank credit transaction information, non-bank credit information, personal statements and objection marks, and query history information. The above information can be checked by different banks when applying for loans.

There will be various symbols on the personal credit report, which represent different meanings, such as Z to pay off the debt; / means that the account has not been opened; C is settled, and the borrower's loan is fully repaid. Clear, the loan balance is 0; D guarantor will repay on behalf of you; # means the repayment status is unknown; * means there is no repayment history this month, etc.