After being blacklisted by the bank, the money was returned and could not be revoked. Users who are classified as refusing credit by relevant banks, the blacklist data are kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report.

1. If the credit card is overdue for more than 90 days, it will become a black account and the record will be kept for 5 years. After paying off all the arrears (including late fees, interest and compound interest), the bad credit records will be automatically cleared after 5 years. You can't apply for any credit cards and loans for 5 years. If the overdue time is less than 90 days, you need to use the card for more than 2 years (it cannot be overdue again in the middle), and overwrite the old overdue record with a new credit record, which can alleviate the negative impact brought by bad credit records.

2 loans overdue once, the credit record shall be kept for 5 years. After all the loans (including late fees, interest and compound interest) are paid off, the loans overdue record will be eliminated after five years. If the loan is overdue only once or twice, and there is no record of overdue for more than 90 days, individual banks can still lend.

Legal basis:

Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. After being restricted from high consumption, the following acts of paying expenses with property shall not be implemented:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(nine) other high consumption behaviors that are not necessary for life and work.