No matter what kind of black account it is, it means that your personal credit is not good. If this is the case, you will not be able to apply for a credit card. Because after submitting a credit card application to the bank, the bank will review it. During the review, the applicant's personal information can be viewed in the bank system, including credit records. If your personal credit record is not good, the bank will directly refuse your credit card application on this basis.

Not only that, it will be more difficult for you to apply for a loan in the future. As long as you have bad credit and become a black account in the bank, you will be rejected by the bank on this ground. Therefore, in daily life, we must accumulate good personal credit and maintain good credit.