How long does it take for a credit card to be blacklisted if it is overdue?

If the credit card is overdue for more than 90 days, and there are more than 6 overdue behaviors for more than 90 days, it will be blacklisted by the bank.

After a credit card is overdue, the credit report will divide the cardholder’s overdue status into levels from 1 to 7 based on time. For example, the mark 1 indicates that the overdue time is within 1 to 30 days, the mark 2 means that the overdue time is within 31 to 60 days, the mark 3 means that the overdue time is within 61 to 90 days, and the mark 4 means that the overdue time is within 91 to 120 days. Within, and so on.

For banks, as long as the overdue period does not exceed 90 days, it is still acceptable. This situation is a general overdue situation. If you pay off the debt immediately after the overdue period, it will not cause much trouble. No impact, and it will not be blacklisted. And if it is overdue for more than 90 days, it is considered seriously overdue, especially if it is overdue for three consecutive days, and it is impossible to escape the blacklist of the bank.

Extended information:

Consequences of overdue credit cards

Once an overdue bad record is shown, any business involving credit reporting issues will not be processed. If a credit card is overdue three times in a row or six times in total, it is considered a serious overdue. Overdue credit card for more than 90 days is also considered serious. If you apply for a credit card, mortgage loan, car loan, etc., you will basically be rejected. However, if the overdue period is not long and you maintain a good repayment record after settling the debt, your credit score can be restored and it will not have much impact on your application for loans and credit cards.

The most serious thing is that if you refuse to repay the loan for a long time and refuse to negotiate, you will first be put on the credit blacklist. If you still fail to pay after the expiration date, you will be restricted from traveling and will not be able to take public transportation. In serious cases, they may be prosecuted, enforced or detained. In short, the longer the overdue period, the greater the impact. Personal credit reports will have an increasing impact on life. It is recommended to take remedial measures as early as possible to reduce the impact on credit reports. How many days does a bank loan become overdue before it is blacklisted

If you apply for a commercial loan with Bank of China, deposit the money into the repayment account before the close of business of Bank of China on the repayment date at the latest, and you are guaranteed to get the money.

If the latest repayment time limit is exceeded, since each customer's loan situation is different and specific issues need to be analyzed in detail, it is recommended that you contact the loan agency to confirm whether the loan is deducted normally and whether there is an overdue record. .

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses. How long will it take for someone to be on the credit blacklist if they are overdue

1. What is the credit blacklist?

Some people may mistakenly think that the credit blacklist is the defaulter. In fact, there is a difference between the two. There is a very big gap. Here, Mao Mao will first introduce to you what the credit blacklist means.

The credit blacklist actually refers to borrowers whose loans are overdue multiple times and the overdue time is very long. If we are overdue more than the specified number of times, our credit report will also turn black, that is, Will be defined by the banking system as a central bank credit black account.

Generally, the overdue period is more than 90 days in a row, and the number of overdue items has accumulated to more than 6 times. If the number of overdue items exceeds this limit, most banks will blacklist you and we will not be able to process any Bank loan.

The consequences for a dishonest person are much more serious than a credit blacklist. A dishonest person generally refers to someone who is overdue and has been sued by the loan platform. The court will order you to pay back the money. If you refuse to comply, you will be fined. If you are listed as a dishonest person, you will be restricted from all high-consumption activities. High-speed rail travel or air travel are not allowed until you pay off the debt. How long will it take for someone to be overdue to be blacklisted?

If the loan is overdue for more than 90 days, it will be included in the list of dishonest people. It usually takes one to three years to eliminate the list of dishonest people. Loans that are overdue for more than 90 days will generally be sued by the lending institution. After the lawsuit is filed, if the loan still refuses to fulfill the judgment of the court, the lending institution can apply to the court for enforcement. When a borrower has the ability to repay but refuses to perform its repayment obligations, it may be classified as a breach of trust by the court. Therefore, if you fail to repay the debt for 90 days, you will become a defaulter.

"Several Provisions of the Supreme People's Court on the Publication of Information on the List of Dishonest Persons Subject to Execution"

Article 1

The person subject to execution has not fulfilled the provisions of the effective legal documents. If the person has an obligation and any of the following circumstances applies, the people's court shall include him in the list of dishonest persons subject to enforcement and impose credit penalties on him in accordance with the law:

(1) Refusing to perform the obligations specified in the effective legal document despite having the ability to perform

(2) Using forged evidence, violence, threats, etc. to obstruct or resist execution;

(3) Using false litigation, false arbitration, or concealing or transferring property, etc. Methods to avoid enforcement;

(4) Violating the property reporting system;

(5) Violating consumption restriction orders;

(6) Without justifiable reasons Refusal to perform the settlement agreement.