After a credit card is overdue, if it is overdue for 90 days in total, or if it is overdue three times in a row, it is considered a black account. If a credit card holder is sued by a bank and applied for execution, but the cardholder refuses to perform and has the ability to perform but refuses to perform; or obstructs or resists execution by forging evidence, violence, threats, etc., the court will Include them in the list of dishonest persons subject to execution.

Legal Basis

Article 1 of "Several Provisions of the Supreme People's Court on the Publication of Information on the List of Dishonest Persons Subject to Execution"

The person subject to execution has not fulfilled the effective legal document If a person has a certain obligation and meets one of the following circumstances, 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 effective legal documents despite having the ability to perform Determining obligations; (2) Obstructing or resisting execution by forging evidence, violence, threats, etc.; (3) Using false litigation, false arbitration, concealment, or transfer Property and other means to avoid enforcement;

(4) Violation of the property reporting system;

(5) Violation of consumption restriction orders;

(6) None Refusal to execute the settlement agreement for justifiable reasons.