You can go abroad and it won't affect you. The credit record is recorded by the People's Bank of China, which will not affect the application for traveling abroad for the time being, but only the financial communication, such as loan and credit card application.

If the blacklist is overdue and not intentional, you can make your own annotation on it, so that the commercial bank will make a comprehensive evaluation when it sees the annotation information and will not consider it as a non-performer.

Extended information:

The visa for going abroad is affected by credit card arrears or blacklisting. Credit card arrears will involve three kinds of charges, such as interest, late payment fee and excess fee, and the interest of arrears is calculated by compound interest. The longer the arrears, the faster the amount of arrears will increase. Once the credit card is in arrears for 3 months, it will enter the "blacklist" of some banks' lending.

it is best to pay off the credit card debt within 2 months. With the accelerated development of personal consumption credit, personal credit records are becoming more and more important. Among them, credit card is an important aspect of personal credit record. If the credit card is overdue, the overdue record will be recorded in the personal credit record. If the current arrears are delayed for several days, this situation will not affect the personal credit record.