It will be recognized as a black account if it reaches the following levels: credit card or loan repayment exceeds 90 days, repayment is overdue for many times, bill is recovered or court judgment is overdue, credit card or loan application is rejected for many times, and personal credit record is incomplete or unstable.

1. Credit card or loan repayment is overdue for more than 90 days.

If an individual defaults on credit card or loan repayment for more than 90 days, the bank or credit company will report this situation to the credit reporting agency, which will affect the personal credit evaluation.

2. Repeated overdue repayment

Even if an individual is only overdue for several times, it may be considered as a credit black account. In particular, if the number of overdue payments by individuals is large, this situation will have a great negative impact on personal credit evaluation.

3 overdue or recover the bill after the court decision.

If an individual's bill is overdue or the court makes a judgment, it will also have a great negative impact on the individual's credit evaluation. This situation will generally be recorded in personal credit records and included by credit reporting agencies.

4. Multiple applications for credit cards or loans were rejected.

If an individual's application for a credit card or loan is rejected many times, it may indicate that there are some problems in his personal credit record. This situation will also have a negative impact on personal credit evaluation.

5. Personal credit record is incomplete or unstable.

If individuals often change their mobile phone numbers, addresses and other information, this may lead to incomplete or unstable personal credit records. This situation will also have a negative impact on personal credit evaluation.