If Guangfa Credit Card is blacklisted, it means that you have serious overdue behavior. But it is not that you can never apply for a credit card as long as you are blacklisted. Because at present, our country stipulates that the retention time of bad records in the credit information system is five years, and bad records have existed for five years, which will affect your application for credit cards. The credit inquiry of CGB on credit cards is mainly in the last two years, so as long as there is a good repayment record within two years, the impact on subsequent loans or other businesses will be greatly reduced. So just keep using your credit card for two years and roll down your bad records.