After the credit card is blacklisted, the credit information of the cardholder is damaged, which does not meet the requirements of good credit information stipulated by the bank. It is impossible to successfully apply for a credit card and apply for a loan from the bank, and this record will disappear after five years, so it takes five years to apply for a credit card. The following are some tips to improve your credit value, which I hope will help you.

After the credit card enters the blacklist, don't cancel the card, as long as you maintain normal consumption for a long time. Generally, it will be fine after 2 years. That is, 1 year, people opened your credit report and found that there were 1 bad records before. As long as the latter is good, banks can consider it comprehensively.

Bad records can lead to negative scores, but as long as you keep good records for a period of time, the total score will naturally rise again.

The way to eliminate bad credit card records is simple: swipe more credit cards and repay them on time.