The number of days a credit card is overdue before it is blacklisted is determined according to China UnionPay credit card management regulations. According to these regulations, generally speaking, credit cards that are overdue for more than 90 days may be blacklisted. Several key points of this conclusion are elaborated below.

First of all, according to the regulations of China UnionPay, credit cards that are overdue for more than 90 days will be included in the credit blacklist. The blacklist records the information of defaulted credit card holders and shares data with various financial institutions and credit reporting agencies. After a credit card is blacklisted, the cardholder will be subject to restrictions such as having the credit card limit frozen and being unable to apply for a new credit card.

Secondly, the more serious the credit card overdue situation, the greater the impact it may have on your credit record. Although generally speaking, if you are overdue for more than 90 days, you may be blacklisted, but in fact, the specific handling method may vary depending on personal credit history, overdue amount and other factors. If your credit card has a large overdue amount or multiple overdue records, it may have a more serious impact on your personal credit.

Finally, overdue records will remain in personal credit records for a period of time. Generally speaking, blacklist records will be retained for a certain period of time after the overdue problem is resolved. The specific time may vary according to individual circumstances. During this period, an individual's credit profile may be somewhat restricted.

To sum up, under normal circumstances, credit cards that are overdue for more than 90 days may be blacklisted, which will have a certain impact on personal credit records. However, the specific treatment methods and degree of impact may vary depending on personal credit status and overdue circumstances. Therefore, in order to avoid the negative impact of overdue credit cards, it is recommended that everyone repay their loans on time and maintain a good credit record.

Extended information:

According to Chinese laws, overdue credit cards will have a negative impact on personal credit records. In addition to the possibility of being blacklisted, an overdue credit card may result in a damaged credit record, which may affect an individual's credit score and ability to apply for other loans or lines of credit. Therefore, timely repayment is an important measure to maintain personal credit.

Note: The above information is for reference only. Specific policies and regulations may change at any time. Please refer to the information provided by relevant official channels.