If the credit card is overdue, it will generally be blacklisted by the bank if it is overdue for more than 90 days. If a bank loan is overdue, the borrower will not be on the bank's blacklist if it is overdue once or twice. However, if the credit check is conducted, if the number of overdue loans is relatively high, the borrower will be on the bank's blacklist.

If the borrower fails to repay within the agreed period, the lending institution will punish the borrower and generate penalty interest. The longer the overdue period, the higher the penalty interest rate.

As long as you have an overdue loan record, you will be marked by the lending institution. When you borrow again, you will not be able to enjoy preferential loan products with low interest rates because of bad credit.

When a borrower is blacklisted because he is seriously overdue, his ID number and overdue information will be published in the media, or his workplace will be notified; he will be restricted from flying, high-speed rail, etc. High consumption; vehicles under the borrower’s name are restricted from using highways, etc.

If the credit card is overdue, it will generally be put on the bank's blacklist if it is overdue for more than 90 days; credit cards will generally be listed on the credit report after they are overdue. Generally, after uploading the credit report, the old record can only be overwritten with a new one. If a bank loan is overdue, the borrower will not be blacklisted for one or two overdue loans, but will be subject to a credit report. If the loan is overdue for a large number of times, the borrower will be blacklisted by the bank.

When a credit card cannot be repaid on time on the repayment date, the cardholder can borrow money from relatives and friends and just pay off the debt; they can also use the minimum payment amount or repay in installments, both of which All repayment methods can reduce the repayment pressure of cardholders, but they require a certain handling fee.