Bank black account refers to the user being pulled into the internal blacklist by the bank because of bad credit.

When a general user handles loans, credit cards and other businesses in a bank, if the bank refuses on the grounds that the credit score is not enough, this shows that the user has been blacklisted by the bank. The reference factor of bank black households is personal credit record. Under normal circumstances, bad credit records will be automatically eliminated after 5 years. Therefore, the bank's black account is not permanent, and the user can cancel the bank's black account after paying off the loan that caused the credit stain and waiting for the record to be automatically eliminated.

Generally speaking, it refers to people whose credit cards are seriously overdue or whose loans are seriously overdue. Because they are blacklisted by banks, it can be said that it is extremely difficult to apply for a credit card. In the black bank accounts that apply for credit cards, they are easily rejected: they have applied for credit cards in the bank before or failed to repay them on time, and they have overdue records, which makes them people with bad credit, that is, black bank accounts.

Due to illegal operation, bank black households have been blacklisted and no longer enjoy banking services. There are many reasons for becoming illegal households, such as serious overdue repayment of credit cards, non-repayment of loans, illegal cashing of credit cards, and criminal records. These will all be blacklisted.

So, what does it mean to have a list of white households in the bank?

White households are those who have never done credit card and loan business in the bank, have no record, and have a blank credit record in the bank. It is relatively easy for white households to apply for a credit card, but the loan will be hindered to some extent. Because there is no credit record, it is impossible to evaluate the past credit situation, it is difficult to approve, or the expected amount cannot be reached.

What is the impact of black households in credit reporting?

1. High penalty interest. The most direct impact of becoming a credit black account is to pay high penalty interest and late fees. According to the regulations of the People's Bank of China, the current penalty interest rate of bank loans can fluctuate by 30% to 50% on the basis of the loan interest rate agreed in the loan contract. After rolling interest, the financial pressure will be even greater.

2. Loan. Credit card application is hopeless. Because it is a credit black account, it is basically hopeless to apply for new loans and credit cards. In severe cases, banks may refuse to provide services to open new debit cards.

3. Affect travel. In recent years, China has paid more and more attention to personal credit records. According to news reports, black households may not be able to buy high-speed rail tickets and air tickets in the future, and their children's attendance at private schools will also be affected. In short, society's tolerance for black households will be lower and lower.

Once you become a black account, you can't handle all the business of the bank, even without considering credit cards and loans. If the circumstances are serious, they will be notified by the police to become Lao Lai. Credit information is becoming more and more important in our life. Closed meetings of banks often bring a lot of inconvenience. Buying a house and even children going to school will be affected.

Everyone should pay attention to their credit status and pay off their credit cards and loans on time. In case of inevitable overdue, you must communicate with the bank in advance and apply for an extension. If white households want to maintain their usual credit as much as possible, they need to accumulate credit to prevent their business in banks from being blocked in the future.

Under what circumstances will it be blacklisted by banks?

1. If the loan/new card is overdue for many times, the bank will think that you are unable to repay, freeze the credit card, and the cardholder may be added to the list. At this time, you pay in full, call customer service and ask for thawing. In this way, the amount may be reduced, but if the overdue times are not many, the general customer service will unfreeze.

2. If the property is frozen, if the property is frozen or confiscated for various reasons, the credit card will also be frozen and the cardholder may be added to the list.

3. The credit card is suspected of cashing out. If frequent use of pos machines for large-scale consumption or frequent large-scale cash withdrawal causes UnionPay to doubt your credit, UnionPay will inform the bank that your account is suspected of cashing out. Credit cards will be frozen on the grounds of suspected cashing, and cardholders may also be added to the list.

4. Fill in false information. When we apply for a loan, we need to fill in the personal application materials. Some people will forge personal application materials at this time, hoping to get approval faster. Sometimes the purpose of the loan is not consistent with our actual purpose. When these situations are discovered by the bank, the bank will judge you as a high-risk customer, and then may temporarily blacklist you.

Don't be too nervous if you find yourself blacklisted by the bank. Because the blacklist has a time limit, the time limit of each bank and institution is different. As long as your subsequent credit record is of high quality, you can cover the bad behavior on the blacklist. Whether you forget it by accident or for some reason, you should take your credit history seriously. Don't have bad behavior, which will lead to your blacklisting in the bank.

: How to eliminate the blacklist of banks?

Under normal circumstances, the blacklist of people who have lost their trust is valid for two years. Automatic elimination after two years, can fulfill the responsibility in advance, can be eliminated within three working days. If the nature is bad, the elimination time will be extended accordingly.

The blacklist of credit information will be kept for a long time. Even after the settlement, the overdue records will remain on the credit report, and it will not affect after 5 years.

The industry blacklist is inevitable, which is related to bank risk control. You can try to change your profession or occupation. As long as your income is stable, it will be much easier to apply for a loan and apply for a card.

How soon will credit cards be blacklisted? These two factors are the key.

Failure to return the credit card will be blacklisted by the bank, and once blacklisted, there is no hope of handling the credit business of the same bank in the future. But the bank didn't hack the cardholder because he owed money, but according to the time and frequency of the arrears. So, how long will it take for credit cards to be blacklisted? Let's have a look.

1, time of arrears

Those who can be blacklisted by banks are generally in arrears for a long time. If it is only a few days, weeks or 30 days overdue, these are minor overdue, and the bank will not kill it with a stick. After all, everyone will have a hard time.

However, if the arrears exceed 90 days, the overdue grade will be marked as 4 in the credit card repayment record of the credit report, which is a serious overdue. Suspected of malicious overdraft, it is more likely to become a blacklist of banks.

2. Amount owed

When the bank handles credit business, the bank will focus on the repayment of cardholders in the past two years. If the overdue record reaches three times in two years, don't even think about it, it will definitely be blacked out by the bank. In addition, if there are multiple arrears records within half a year, it is more likely to become a credit card blacklist.

And if it is only overdue once or twice and the money is paid off immediately after the arrears, it will not become a blacklist.

The above is the introduction of "How long will credit card arrears become a blacklist", hoping to help everyone. In short, credit cards overdue for more than 90 days, or overdue for three to six times, are more likely to be blacklisted, and the consequences are very serious. Let's try our best to repay the credit card on time.

What does it mean to be a credit hacker?

Black credit users generally refer to people whose credit cards are seriously overdue or whose loans are seriously overdue, because they are blacklisted by banks. The credit report reflects that the applicant has a serious bad record, and the applicant's willingness or ability to perform debts is seriously flawed. The past debts have formed a factual risk and meet one of the following conditions: 1. The status of loan or credit card account shows abnormal status such as frozen, stopped payment and bad debt; 2. Credit cards in the last 24 months (note: credit cards with "account cancellation" refer to the last 24 months of inquiry time and the last 24 months refer to the last 24 months of settlement year, the same below) have G (account cancellation) or 4 (credit cards have not paid the minimum repayment amount for four consecutive times, and loans are allowed. 3. Loans in the last 24 months (Note: loans with the account status displayed as "settled" refer to loans with the account status displayed as "normal" in the last 24 months of the inquiry time, and the last 24 months refer to the last 24 months of the settlement year, the same below). In the repayment status record, there are G (unsettled account cancellation), Z (repayment with assets) and D (repayment by guarantor). 4. In the last 24 months, the accumulated minimum repayment amount of credit card has exceeded 8 or 3 times (the minimum repayment amount of credit card has not been repaid for 3 consecutive times, and the accumulated overdraft of quasi-credit card is 6 1-90 days) for more than 2 times; 5. In the loan repayment records of the last 24 months, it has been overdue for more than 8 times or 3 times (overdue for 6 1-90 days) and more than 2 times; 6. Other individual customers identified by the business department who should enter the prohibited category. Banking institutions at all levels shall not engage in new credit business with prohibited customers, unless they can prove that the above results are not caused by their own fault, provide a written explanation, and obtain the approval of the loan approval form signed by the credit business leaders of branches (tier-1 branches or tier-2 branches).

Under what circumstances will credit cards be blacklisted?

General credit card repayment, not paying the minimum repayment amount before the repayment date will produce a bad credit record, because it is overdue, but it will not be blacklisted twice at a time. Blacklist is a more serious situation.

I. Malicious overdraft

Excessive use of credit cards leads to excessive overdraft of credit cards. This situation will be blacklisted.

Second, default loans.

If you have outstanding loan principal and interest or the guarantor is paying back, you will be blacklisted. You will be blacklisted if you have a record that the principal and interest of a single loan have not been repaid for more than 6 consecutive periods within 24 months, a record that the principal and interest of a single loan have been repaid for more than 24 periods in loans overdue, and a record that the loan has been postponed or repaid with assets in recent two years.

Third, overdue repayment is serious.

If your credit card has not paid the minimum repayment amount for more than 6 times in the last 12 months, or your quasi-credit card has been overdrawn for more than 180 days, it will be blacklisted.

What is the reason for the black households?

The reason for this is the following：

Violation of family planning laws and regulations, failure to pay social support fees, inability to register, and lack of census data in previous censuses. In the process of household registration transfer, it is necessary to issue a report of loss at the transfer place, and then issue a new household registration certificate at the transfer place.

The introduction of why credit cards are hacked and those who owe credit cards are hacked ends here. I wonder if you have found the information you need?