1. Goodwill debts: for example, "being loaned", the annual credit card fee is accidentally forgotten or overdue for several days, all of which are goodwill. In the former case, as long as the evidence is sufficient, you can file an objection complaint with the central bank. In the latter case, the user can directly negotiate with the bank and pay the arrears, which can be settled after negotiation;

2. Malicious arrears: for example, there are subjective and intentional arrears, or repeated enforcement, which cannot be lifted for at least 5 years. If the arrears are settled, the bad credit record will be automatically eliminated after 5 years or 7 years.

The characteristics of the bank card involved are as follows:

All bank cards under the name of 1. will be temporarily frozen. The bank account will become the bank account involved. The bank will freeze the bank card of the account involved, because the commercial banking law stipulates, and then take the certificate to the bank to understand the seal;

2. One bank card involved will affect other cards. The bank card involved refers to the transaction in which the user's real-name bank card is suspected of committing a crime. The account involved is because the bank account involves handling cases or judicial needs, and the bank card is a debit card. It is recommended to go to the bank to check the account with your bank card and ID card.

3. The case is frozen and there is a bank card involved. A suspicious account of a bank card will definitely affect other bank cards. The bank card involved means that the bank card with the real name of the user is suspected of being illegal, but it is recognized as the bank card involved by the bank;

4. Minors' bank cards are involved. I went to the bank to take my picture and freeze your bank card. Many banks have implemented this requirement in advance. The bank card involved, see if I know the current case and judge the arrest. You can consult the issuing bank to explain that your bank card is likely to flow into the funds of telecom fraud;

There are many reasons why bank cards are frozen. The bank card was frozen because someone in your own bank card spent money to do something illegal with your bank card, that is, the bank card involved, and the bank card could not pay. If the user's bank card suddenly fails to pay, first call the bank to report the loss orally.

To sum up, users on the bank blacklist are generally overdue because they use bank credit cards. If it is in good faith, the bank can help the user to eliminate it after verification. If it is dishonest, it will be more troublesome. Even if the arrears are settled later, the records will be kept for 5-7 years. If the user does not repay the arrears, there will always be a record. Being blacklisted can be lifted by fulfilling the obligations stipulated in the effective legal documents as soon as possible, or by the people's court and the person who has completed the execution. Be blacklisted by the court and be included in the list of people who have lost their trust.

Legal basis:

Provisions of the Supreme People's Court on the Sealing-up, Seizure and Freezing of Property in Civil Execution by People's Courts Article 29.

The people's court shall not freeze the bank deposits and other funds of the person subjected to execution for more than six months, seal up or detain movable property for more than one year, seal up immovable property for more than two years, and freeze other property rights for more than two years. Except as otherwise provided by laws and judicial interpretations.

If the person subjected to execution applies for an extension of the time limit, the people's court shall go through the formalities of sealing up, distraining and freezing before the expiration of the time limit for sealing up, distraining and freezing, and the extension period shall not exceed half of the time limit specified in the preceding paragraph.