First, the personal credit is poor. Personal accounts are blacklisted by banks because of overdue interest or repeated direct non-repayment in the credit information system;

Second, those who are listed as untrustworthy by the people's court, have tax evasion, are in arrears with telecom broadband fees, or have a major criminal record, also belong to bank black households.

once you become an illegal household and leave a credit stain, you should take timely measures to restore your reputation. There are two points as follows: First, we must pay off the arrears, whether it is loans or public expenses (many people may not know that the records of tax arrears, civil judgment execution and telecom arrears will be reflected in the detailed personal credit report of the bank, so remember to cancel when the broadband and number are closed and unused). The second point: Since the credit report only keeps the records of the last five years, you can cover the previous negative records with a good credit record of five years. After that, your loan will no longer be affected unless you have a major criminal record.

Precautions for using bank cards:

1. When using bank cards, especially credit cards, you must pay attention to the repayment date. Don't be overdue. Overdue repayment will cause your bad record, and continuous overdue will cause black households. When using a credit card, you must combine your financial ability. I am unhappy when I swipe my card, which exceeds my repayment ability, resulting in overdue repayment and arrears.

2. In order to standardize the credit card business of commercial banks, protect the legitimate rights and interests of customers and banks, and promote the healthy and orderly development of credit card business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China. Laws and regulations of the People's Republic of China, the Commercial Banking Law of the People's Republic of China, the Regulations of the People's Republic of China on the Administration of Foreign-funded Banks, etc.

3. Article 82 stipulates that if a special merchant confirms the existence of fraudulent acts such as false application, cashing in credit cards, measuring and recording customer information, revealing account and transaction information, malicious bankruptcy, etc., it shall be investigated for criminal responsibility according to law.

4. The acquiring bank shall take effective risk control measures in time, such as dismantling the acceptance terminal, properly keeping relevant evidence such as transaction records, reporting to the public security organ for handling, blacklisting, entering the bank card risk information system, and enjoying risk information. And related bank card organizations.