According to the relevant regulations, if the person subjected to execution refuses to perform the execution settlement agreement without justifiable reasons, the time limit for inclusion in the list of people subjected to dishonesty is two years. If the person subjected to execution obstructs or resists execution by violence or threat, or has repeatedly broken his promise, it may be extended for one to three years. The people's court may decide to delete the information of dishonesty in advance if the person subjected to execution actively performs the obligations specified in the effective legal documents or actively corrects the act of dishonesty.

The consequences of overdue credit cards of untrustworthy people are as follows:

1, overdue penalty interest, and overdue credit card will generate penalty interest. The bank will calculate overdue interest on a daily basis. The longer the user is overdue, the more overdue interest will be generated;

2. It will affect personal credit information. After the credit card expires, it will affect personal credit information. Our overdue records will be uploaded to the central bank's credit information system. Once the personal credit record is overdue, it will be affected if you want to buy a house and a car with a bank loan later;

3. Bank collection. After the credit card is overdue, the bank will take collection measures for overdue users. In addition to text messages and phone calls, bank visits will definitely have a certain impact on the lives of credit card users.

To sum up, it will take one to three years to eliminate the credit blacklist.

Legal basis:

Article 10 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"

In any of the following circumstances, the people's court shall delete the untrustworthy information within three working days:

(a) the person subjected to execution has fulfilled the obligations specified in the effective legal documents or the people's court has completed the execution;

(2) The parties have reached an execution settlement agreement, which has been fulfilled;

(3) The application executor applies in writing to delete the untrustworthy information, and the people's court examines and agrees;

(4) After the execution of the program, the property of the person subjected to execution is inquired twice or more through the network execution inspection and control system, and no property available for execution is found, and the applicant executor or others fail to provide effective property clues.