Under normal circumstances, personal credit card bills overdue for more than 3 months will be blacklisted. In the first three months, the bank will collect the debtor according to the relevant regulations. If the collection is successful within three months, the bank will not collect it again and will not be blacklisted. However, within three months, the bank failed to collect the credit card, so according to the law, if the credit card is overdue for three months, the bank can take legal procedures. Therefore, we must always pay attention to the status of credit cards and contact relevant departments in time.

Overdue credit card refers to the cardholder's failure to repay within the repayment date stipulated by the bank.

The bank will charge interest for overdue repayment, and the interest will be calculated from the day when the consumption occurs, not from the day after the last repayment date.

Black accounts with overdue credit cards have a term of 90 days, 5 years and 10 years:

/kloc-users who pay off their credit cards within 0/.90 days can apply to the bank to unfreeze their credit cards, and then they can use them. The time when the credit card is hacked is naturally within 90 days.

2. If the user's credit card is overdue for 90 days, it will be recorded and it will take 5 years to completely eliminate it.

3. Some serious overdue credit cards may even take 10 years to be cleared, and bad credit records will be recorded in personal credit information, and credit cards of other banks cannot be processed.

Credit cards can be recovered if they are hacked.

Credit card black accounts are generally overdue and have been blacklisted by banks. Users who want to cancel illegal accounts need to pay off all remaining debts, prove their willingness and ability to repay to the bank, and create a new good credit record. On the premise that all the arrears are paid off, the cardholder will not receive the credit information for five years, and the system will automatically eliminate the relevant information of the black account after five years.

Legal basis:

Article 1 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"

If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust and impose credit punishment on him according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.