What should I do if my credit card is blacklisted?
Legal analysis: After my credit card is blacklisted, I don't want to cancel it, just keep spending normally for a long time. Generally, after two years, the credit report is good, and the bank will consider it comprehensively. Bad records will lead to negative scores, but as long as the cardholder keeps a good record for a period of time, the total score will naturally rise. You can spend more by credit card to ensure timely repayment. Continue to use the card to establish a good credit record, and the interest rate removed from the blacklist is still very large. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank.
Legal basis: Article 196 of the Criminal Law of the People's Republic of China engages in credit card activities under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed; If the amount is especially huge or there are other particularly serious circumstances, it shall be sentenced to not less than 1 years or, in addition, a fine of not less than 5, yuan but not more than 5, yuan or confiscation of property: (1) using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who use credit cards simultaneously shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
what should I do if I enter the blacklist of Pudong Development Credit Card (debit card)?
If the user is blacklisted by Shanghai Pudong Development Bank as a credit card, the following methods can be tried to solve the problem: the overdue amount of the credit card (debit card) will be settled in full; If the credit card (debit card) is not frozen and can continue to be used, continue to use the card, so that a good repayment record can cover the previous overdue record; Complain to the bank, indicating that the credit card (debit card) is overdue due to non-subjective reasons.
Generally speaking, users often use credit cards (debit cards) illegally, which will lead to being blacklisted. As long as they use their cards normally, the blacklist can be lifted.
How to eliminate the blacklist of credit cards
Blacklists are judged according to the records of the credit information system. Illegal operations such as overdue or cashing in credit cards may be blacklisted. Normal blacklists can only be eliminated automatically by correcting mistakes and covering the original bad records with new good records.
If there is an error in the cause of bad credit information, you can apply for reconsideration, but it can only be eliminated if an individual submits evidence. Generally, it takes 1 working days to deal with it, but the probability of such credit information error is very small; If the credit card is not overdue in bad faith, you can explain the situation to the bank and see if it can be revoked. This requires good communication with the bank to achieve the goal of eliminating records.
if the credit record cannot be eliminated, it will be automatically eliminated only after 5 years, and the bad credit record will be kept for at most 5 years. As long as the credit record is kept well at ordinary times, the credit card blacklist will be automatically eliminated.
Note: Bad credit reporting caused by improper use of credit cards will affect many aspects. For example, when buying a house loan, the bank will inquire about the credit reporting, and if the credit reporting is bad, the bank will refuse to lend; When buying a car loan, you will also check the credit information, and the bad record bank will still refuse; Therefore, when you use a credit card, you must repay it on time.
Credit cards must control their desires when spending, and don't buy everything. This will exceed the tolerance range and lead to the failure to repay on time, which will eventually lead to the blacklist of credit cards. Therefore, we should control our desires in daily consumption.
How to remove the blacklist of overdue credit cards
Credit card records is a dynamic process, that is to say, the bad records generated by overdue repayment of credit cards will only be kept in the credit information system for two years. If you no longer use this card, the bad records will be kept permanently. However, if you continue to use it and maintain good repayment habits, the credit card records will be continuously updated and the bad records can be replaced. If it is because credit card cashing is blacklisted, then it is necessary to swipe the card normally, stop cashing, brush more merchants with points, and diversify consumption. After consumption, you can also go through some stages to improve the trust of the bank. In the long run, it will be released from the blacklist by the bank sooner or later. If the credit card is blacklisted due to overdue repayment, and a good credit record is maintained after paying off the arrears, the overdue record will be eliminated after 5 years.
Extended information
Regulations on the Administration of Credit Information Industry
Article 16 The retention period of personal bad information by credit information agencies is five years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.
There are two situations:
First, you can ask the bank to issue a certificate if it is overdue due to bank reasons.
2. If you really fail to repay the loan on time, don't cancel the credit card and continue to use it for two years. If the period is normal and there is no overdue, the credit record printed by the bank will only show the repayment record of the last 24 months, and the credit record will be normal. If the card has been cancelled, the overdue status in the credit report can't be eliminated. If you use other credit cards and other loans normally, it can also show that you have no malicious overdue and will be able to borrow from the bank.
In addition, it depends on your overdue amount. If the amount is small, it will have little impact on loan approval.
depending on the specific situation, someone may take advantage of your overdue to maliciously collect fees such as loans.
those who are blacklisted for credit investigation shall fulfill their repayment obligations in time. The credit investigation blacklist will be counted from the day when overdue loans are settled, and will be automatically lifted after 5 years. However, if the arrears are not settled, the overdue records will be kept permanently.
according to article 16 of the regulations on the administration of credit reporting industry, the retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.
What should I do if the credit card is blacklisted?
Solution:
1. If the overdue amount is small and occurs unwittingly, you can apply to the bank to cancel the bad record, and the bank will submit the application to the central bank.
2. If it is currently overdue (overdue, not settled), it is usually impossible to make a loan. The borrower needs to settle the overdue loan and overdue credit card repayment before applying for a loan.
3. If it is overdue in history, first check whether the credit record period has passed. At present, the overdue records kept in the credit report for nearly five years will not be reflected in the credit record for more than five years. Therefore, overdue five years ago will not affect the loan application.
4. If it is overdue within five years, the lending institution will review the overdue situation. Usually, if it is overdue for more than six times, or overdue for more than three times in a row, the loan will be refused (different banks have different standards). If the credit card is overdue only once, and it is not currently overdue, it usually has little impact on the loan.
According to the Notice on Printing and Distributing the Measures for the Administration of Credit Card Business:
Article 33 Any unit that has opened a basic deposit account in a financial institution in the People's Republic of China may apply for a company card. A number of corporate cards can be applied for, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Every citizen with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card may apply for supplementary cards for his spouse and relatives over the age of 18, and the maximum number of supplementary cards shall not exceed two. The main cardholder has the right to request cancellation of his supplementary cards.
article 34 when applying for a credit card, a unit or individual shall fill in an application form and submit it to the issuing bank together with relevant materials. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue a credit card.
article 35 all funds in the company card account shall be transferred from its basic deposit account, and cash shall not be deposited, and funds from other deposit accounts and sales proceeds shall not be deposited in the company card account.
The above content reference: Baidu Encyclopedia-Credit Card Blacklist
This is the end of the introduction about how to do the credit card blacklist and whether you can apply for a credit card from the blacklist. I wonder if you found the information you need?