Credit records will not be immediately considered blacklisted due to bad debts (debts that are overdue for more than 180 days).

However, bad debts will have a negative impact on your credit rating and credit limit, which may affect your future credit applications and interest rates on borrowed loans.

Therefore, it is recommended to use credit cards and loans within a reasonable range and repay them on time. If there is a bad debt, you should also communicate with the creditor as soon as possible to understand the repayment method and pay off the debt as soon as possible to protect your credit record.