1. Overdue payment three times in a row or 90 days in total; overdue payment three times in a row or 6 times in total.

2. After your credit card is overdue and your account is blacklisted, you can no longer go to the bank for a loan or apply for a credit card. If you don't pay it back, you may be sued by the bank, you won't be able to travel by plane or high-speed rail, your children won't be able to go to higher education, etc. It is recommended that you pay off the debt. The impact of becoming a black account is still relatively large.

3. Credit card black accounts are mainly due to overdue bad credit records. Bad credit records in our country are generally retained for 5 years and will no longer be displayed after 5 years. This means that black accounts will often be retained for 5 years. Automatically eliminated.

4. But there is a caveat, that is, you do not cancel your credit card after it is overdue, but continue to use the credit card. Otherwise, even if you pay off the card after it is overdue but cancel the card immediately, then the black account will be with you for life.