Detailed description:
1. Credit card overdue means that the cardholder fails to repay the credit card debt within the overdue period. Under normal circumstances, the bank will give a certain grace period, but the overdue time will have corresponding consequences.
2. The bank's inclusion in the black account refers to the inclusion of customers with serious overdue in the bad credit list, freezing their credit card accounts and restricting their continued use of credit cards, which adversely affects their loan applications in other financial institutions.
3. The specific criteria for credit card overdue time to be classified into black accounts by banks are not fixed, and different banks may have different regulations. Generally speaking, customers overdue for more than 6 months are more likely to be included in black households.
4. Being listed as a black account by the bank will have a serious impact on the personal credit record, which will not only affect the use of personal credit cards, but also restrict the application of other financial services, such as loans and house leasing.
Summary:
According to the relevant regulations of Bank of China, credit cards overdue for more than 6 months will be classified into black accounts by banks, which will have a serious impact on personal credit records and restrict the use of financial services such as credit cards.
Extended data:
In addition to overdue credit cards, overdue repayment of other financial products may also be recorded by banks, which will have an impact on personal credit rating. Therefore, timely repayment and compliance with bank regulations are important means to maintain personal credit. In addition, in recent years, the China Municipal Government has actively promoted the construction of personal credit system, collecting and sorting out personal credit information through credit reporting agencies, and providing more credit services for individuals.