Credit cards have no green list, but white list, grey list and blacklist. People without credit cards and loans are themselves whitelists; The grey list of credit cards means that personal credit information has not left a credit stain, but in fact, the cardholder has already appeared some sensitive behaviors, which touched the bank's risk control system and was listed as a risk user by the bank; Credit card blacklist refers to users who are overdue for a long time, have not paid back many times, and have cashed out illegally. , and has been listed as refusing credit by relevant banks. Blacklist data is 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.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Who will enter the credit card blacklist?

1. Submit false information when handling a credit card, and find an agency to handle the card. Once the bank finds that the cardholder has forged, concealed or omitted information, the cardholder will be blacklisted;

2. The credit card is maliciously cashed out; Banks are forbidden to withdraw cash. If you cash out maliciously for a long time, once it is discovered, it will not only reduce your credit card, but also be blacklisted.

3. Long-term overdue, and in the face of bank collection, it will also enter the blacklist; (For example, if1February has a bad record of more than 60 days, it will definitely be added to the credit rejection list by the bank);