If a credit card becomes a black account, it can be automatically eliminated after 5 years from the date of termination of the good behavior or event.

According to Article 15 of the "Credit Reporting Industry Management Regulations", information providers who provide personal adverse information to credit reporting agencies must inform the information subject in advance. However, adverse information disclosed in accordance with laws and administrative regulations is excluded.

Article 16 The credit reporting agency shall retain bad personal information for 5 years from the date of termination of the bad behavior or incident; if it exceeds 5 years, it shall be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.

Extended information:

Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Commercial banks shall implement classified management of credit card risk assets. The classification standards are as follows:

(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules.

(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).

(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).

(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days.

Commercial banks are encouraged to adopt a more prudent classification of credit card assets on the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been approved by the China Banking Regulatory Commission and its relevant agencies. standards, continue to pay attention to and regularly compare important risk management indicators related to reserve accrual, risk asset measurement and other aspects, and take corresponding risk control measures.

Baidu Encyclopedia—Regulations on the Management of the Credit Reporting Industry