I sympathize with your situation, but you can't apply for a bank loan if you are blacklisted. 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. If the retention period exceeds, the negative record will be deleted in the personal credit report. If it is to be eliminated, it will take another five years. After the seven-year retrospective period of credit card blacklist, the bank will automatically cancel the blacklist.

The blacklist will have a permanent impact on many things such as buying a house loan and running a business in the future.

From the current point of view, no matter what kind of loan credit "black households" apply for, it is more likely that they will be rejected by lending institutions, but if their real estate and cars can find a pawnshop to handle mortgage loans. According to many sources, pawnshops have no requirements for borrowers' credit. As long as the collateral meets the requirements of the pawnshop, the borrower can provide complete loan procedures and get the loan smoothly, but the loan period is short, which is not suitable for long-term capital turnover.

In addition, individuals whose credit cards are overdue should never rush to cancel their credit cards. This is a cover-up, because if the card is cancelled, the bad credit record still exists. The accurate way is to pay off the debt immediately, continue to use the card, maintain a good repayment habit, and then generate a new credit record.

According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

That is, those who have handled credit cards in the bank before or failed to repay on time, have overdue records, and become bad credit are bank black accounts.

The formation of black households:

1. The credit card has been overdue for three consecutive times, totaling six times;

2. The monthly payment is overdue for 2 to 3 months or unpaid; 3. The monthly payment of car loan is overdue for 2 to 3 months or not;

4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest;

5. Water, electricity and gas charges are not paid on time;

6. Personal credit card cashing behavior;

7. The student loan is in arrears.

It is understood that in handling credit cards, black bank accounts cannot handle credit cards. After the black household applies for a credit card from the bank, the bank will review it. When auditing, you can check the personal information of the applicant, including credit records, in the banking system. If the personal credit record is not good, the bank will refuse to apply for a credit card directly on this ground. Therefore, in daily life, we should safeguard our personal credit and maintain a good credit, which is conducive to applying for loans and handling credit cards in the future.