1. Bank card blacklist management system is a manual collection and query system of the primary credit management system of bank credit cards. At that time, the card was required to be frozen and blacklisted if it was overdue for more than 90 days. Cases that can be blacklisted include card loss or theft, card-related fraud cases, and cardholders' objections to card use activities. It can be cancelled after being included.

2. The current bank card credit information management system is networked by commercial banks and the personal credit information system of China People's Bank. This system collects all the credit behaviors of individuals in various banks and records the status of cardholders in the last 24 months. Each overdue period is listed in the printed credit report. But there is no blacklist system.