Credit card black accounts will be automatically eliminated after five years. Credit card blacklists refer to cardholders with serious overdue records on their credit reports. Generally, it is overdue for more than 3 consecutive months. Or the cumulative number of overdue payments exceeds 6 times within two years. Commonly known as three in a row and six in a row.

With a black credit card account, any application for a credit card from any bank will be rejected directly. Because when the bank reviews, it will definitely check the applicant's credit report. If serious overdue credit is found, the application will be rejected directly. Therefore, if you have a bad credit card account, you will not be able to get a credit card. However, overdue records on the credit report will only be retained on the credit report for 5 years, and then they will disappear from the credit report. Because the overdue records on your credit report are rolling. The oldest overdue records will be slowly overwritten.

There is a prerequisite for eliminating credit card black accounts after five years. It’s your debt, which must be paid off in full. That is to say, if the debt is paid off, the overdue record will be automatically eliminated after 5 years. If your debt is not paid off, the credit card account will always exist and will never disappear. Credit card blackouts are all caused by overdue credit cards. If the overdue period is short, you will not become a credit card blacklist. For example, if your overdue date is within 90 days, you will not become a credit card blacklist. Only if the credit card is overdue for more than 90 days, it is considered a credit card black account. The 90-day overdue limit is set out in the credit report. Because as long as there is an overdue loan, the credit report will show whether there is an overdue record of more than 90 days. For example, if a loan is overdue for 30 days, the credit report will show that there is no overdue record for more than 90 days within a year. But if it is overdue twice, each time it is overdue, it will exceed 90 days. The credit report will show that there are two overdue records of more than 90 days within a year. This is a very serious overdue payment and is considered a credit card black account.

Finally, to summarize: credit card black accounts will be automatically eliminated after five years. However, there is a prerequisite, that is, the debt must be paid off in full. If the debt is not paid off, the credit card account will remain in the dark. Credit card blacklists refer to cardholders with serious overdue records on their credit reports.