Credit card overdue for many times and blacklisted:
(1) overdue for two consecutive times;
② Accumulated overdue for 6 times;
3 overdue for more than 90 days;
(4) If it is recorded on the blacklist, it is recorded as bad credit.
Bad personal credit record:
(1) Ensure timely payment of arrears and all expenses;
② Bad records can be cleared automatically after five years, and loan business can be handled normally at that time;
(3) If the repayment is not made, the bank can trace it back once after five years, and the non-recording period will be increased by five years;
(4) If the circumstances are bad, it can be traced back to permanent preservation;
⑤ During the period of bad credit investigation, you can't buy train tickets or plane tickets to travel;
6. Loans and credit cards are not allowed during the period of bad credit investigation;
⑦ During the period of bad credit reporting, travel abroad is restricted to some extent.
Note: overdue for more than 60 days and less than 90 days will also be recorded in the credit record, but it will not be recorded in bad credit.
Exceeding the time limit will not only result in a 5% late payment fee for the minimum unpaid part, but also a penalty interest for the full amount of the statement (the daily interest is 0.5 ‰, interest will be calculated from the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), and a bad credit record will be generated in the Credit Information Center of the People's Bank of China, which will seriously affect the application for credit cards and bank loans within five years.
If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist).