The term of a faithless person is generally 2 years. If the person who has broken his promise obstructs or resists execution by violence or threats, or has repeatedly broken his promise, it may be extended by 1-3 years. That is to say, even if the person who is untrustworthy has not paid off the debt for 2-5 years, the identity of the person who is untrustworthy will be lifted. However, the restrictions on high consumption will not be lifted, and these restrictions will still affect the daily life of users. In addition, as long as the user actively fulfills the repayment obligation, the people's court will revoke the untrustworthy information within 3 working days.

1. What is a bank blacklist?

The bank blacklist or bad record we usually refer to refers to the bad evaluation of personal credit by banks, which directly affects personal loans to banks and other businesses. Personal repayment in the last 24 months will also be included in the credit report.

Second, what will be the impact of being blacklisted?

1. Can't apply for a loan: if an individual has a bad credit record and is serious, he can't apply for a loan in any domestic bank;

2. Can't get a credit card;

3. Restricted transportation: you can't choose the second-class cabin or above of the plane, and the trains and ships are soft sleepers; People with bad credit will not be able to buy travel and holiday products through Taobao, Tmall, Alipay, CAR Inc and other platforms, nor will they be able to book air tickets;

4. Limit the high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

5. Restrict the payment of high premiums to purchase insurance wealth management products;

6. Restrict renting high-end office buildings, hotels, apartments and other places to work;

7. Restrict the purchase of non-operating vehicles;

8. Restrict online shopping for luxury goods;

9. Restrict children from attending private schools with high fees;

10. If the untrustworthy person is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

3. What behaviors will make you blacklisted?

1. The credit card has been overdue for three consecutive times, totaling six times;

2. The monthly payment is overdue for 2 to 3 months or unpaid;

3. The monthly payment of car loan is overdue for 2 to 3 months or not;

4. The loan interest rate is raised, and the monthly payment is still paid according to the original amount, resulting in overdue interest;

5. Water, electricity and gas charges are not paid on time;

6. Personal credit card cashing;

7. The student loan is in arrears;

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record;

9. Credit card overdrafts and mortgage loans are not repaid on time;

10. When providing a guarantee for a third party, the third party fails to repay the loan on time;

1 1. The mobile phone number is down, and the relevant formalities have not been handled. If the monthly fee is overdue, it will also cause bad records;

12. Being fraudulently used by others to create credit card arrears records.

legal ground

Article 2 of the "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust" stipulates that if the executed person falls into the circumstances specified in Items 2 to 6 of Article 1 of these Provisions, the time limit for inclusion in the list of executed persons with bad faith is two years. If the person subjected to execution obstructs or resists execution by means of violence or threats, or if the circumstances are serious or he has repeatedly broken his promise, it may be extended for one to three years.

The people's court may decide to delete the information of dishonesty in advance if the person subjected to execution actively performs the obligations specified in the effective legal documents or actively corrects the act of dishonesty.