1. Many overdue accounts will form black accounts in banks, such as handling loans or using bank credit cards, and there have been many overdue repayments. 2. One overdue but the overdue time is too long. Under normal circumstances, loans overdue will be listed as a black account by the bank for more than 90 days, which will affect the subsequent loan business. 3. Overdue involves a large amount and a high amount. In this case, if the borrower fails to repay the loan in time, it will easily become a "black household". The main effects of illegal households are: 1, unable to apply for loans from banks, microfinance companies and other financial institutions, including mortgage loans and car loans. 2. You can't apply for any bank credit card. 3. Affect personal travel, such as flying and staying in star-rated hotels. Black accounts with bad credit refer to personal accounts with bad credit, which have been blacklisted by banks for many times in the bank credit information system. The following are some common possibilities: 1. Repeated overdue will form a bank black account, such as handling loans or using bank credit cards, and there have been many overdue repayments. 2. It was overdue but the overdue time was too long. Under normal circumstances, loans overdue will be listed as a black account by the bank for more than 90 days, which will affect the subsequent loan business. 3. Overdue involves a large amount and a high amount. In this case, if the borrower fails to repay in time, it is easy to become a "black household".

Legal basis: Several Provisions of the Supreme People's Court on Restricting the High Consumption of the Executed Person.

Article 3 If the person subjected to execution is a natural person, he shall not engage in the following high-consumption and unnecessary consumption behaviors after taking measures to restrict consumption:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.