Bad credit record. If you are not this card but another credit card, there will be a repayment date. If the repayment date expires, there is a grace period of 1-2 days. If you don't make it after the grace period, you will have a bad credit record. If you have a bad credit record, which is the blacklist you mentioned, it will be more troublesome. This bad credit record cannot be deleted by that person or institution if it wants to. Don't believe the so-called rumor of modifying the credit record.

According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. According to the regulations, as long as good credit behavior is maintained within five years, these bad information will disappear after five years. For example, a loan should be repaid on May 1 day, but it was not repaid until June 10, so the record will be deleted five years from June 10.