If the credit card is overdue within a short period of time, the issuing bank will only freeze the overdue credit card and stop using it. If a credit card is overdue for a long time, the issuing bank will blacklist the overdue credit card. So, can a credit card be used if it is blacklisted?

Can a credit card be used if it is blacklisted?

A credit card can no longer be used if it is blacklisted by the bank. Been recorded as having bad credit. In other words, if your credit card is overdue for a long time, you may not be able to recover it even if you pay off the balance. Credit cards that are overdue for more than 90 days will be put on the bank's blacklist, and the overdue records will also be uploaded to the credit reporting center. At this time, it is basically impossible to resume use of the frozen credit card.

How to remove a credit card from being blacklisted?

Lifting the credit card blacklist can be solved by eliminating bad credit records. Because banks’ blacklists are based on credit reports. If the overdue payment is not malicious, the bank can issue a certificate of non-malicious overdue payment, which can be resolved through effective communication with the bank. After paying off the credit card, you need to wait for 5 years before the bad records on the credit report will be automatically eliminated. At that time, the cardholder can eliminate the credit card blacklist.

Summary: After a credit card is blacklisted, it can no longer be used. The credit reporting agency’s retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident. If the borrower pays off the loan, it can be used after 5 years.