Yes, it will still be a black account after the bad debts are settled.

Everyone knows that bad debts will form if they are overdue for a long time. Normally, if the debt is owed for more than 180 days, it will show up as a bad debt on your credit report. The consequences of having bad debts on your credit report are much more serious than being overdue. Once there are bad debts on your credit report, the user's subsequent loan applications will be rejected.

Can bad debts be canceled after they are repaid?

Bad debts can be eliminated after they are paid off. After the user is overdue, he must pay off the bad debt and then ask the bank to delete the bad debt record. After receiving the application, the credit reporting agency will submit an application to modify the credit reporting to the credit reporting center, and then modify the bad debt record on the credit reporting to overdue. The central bank's credit reporting center will process it within 20 days. After successful processing, the credit reporting will be updated and the bad debt record will become an overdue record.

Bad debts will not be eliminated after repayment, and bad debts will not be eliminated directly after repayment. You still need to contact the credit reporting agency for processing. When the user does not contact a financial institution to handle business, the user will still have bad debt records on his credit report even if he has just paid off the money. As long as there is a record of bad debts on the credit report, it will completely become a black account in the bank. If the bad debts are not eliminated, you may not be able to get even a basic credit card.

After the user contacts the institution to cancel the bad debt record, the previous bad debt record will become overdue. Although there are overdue records on the credit report, the degree is still lighter than the bad debts. At least there is a chance to apply for a loan or a credit card, and it will not be directly rejected like bad debts.

In general, bad debts can be eliminated, but not from the day after the bad debts are paid off, but only 5 years from the date of termination of the bad debts. It can be completed in about 2 months, and the bank's processing time for deleting bad debt records is 20 days

After applying for a loan at the bank, the loan was not repaid, and finally a bad debt was formed. Basically all banks will not have any business dealings with such people who cannot repay their debts, so it is extremely difficult to get a loan. Even today's small loans, most of them have been integrated with credit reporting and will have certain requirements for everyone's credit reporting. Not to mention bad debts, even blacklisted users are basically unable to make loans. Usually, banks will resort to judicial prosecution for users who have been overdue for a long time. As far as bad debts and blacklists are concerned, the former has a greater chance of being sued. The reason why some partners have not been sued after having bad debts is because the amount is not very large, so the bank will wait until a sufficient number of users have been collected before processing them collectively.