If it is caused by overdue repayment/bad card use, it is suggested to terminate this practice as soon as possible, keep a good record, and apply for unfreezing as soon as possible ~
The central bank's letter and newspaper system only records "personal letters and newspapers" without making any comments, and there is no such thing as "blacklist" ~
Blacklists are set up for bad customers in each bank to avoid risks. For example, Zhang owed the bank 3, yuan this year, and the bank collected it for several months, and even made a lawsuit to get the money back; That bank may not want to do this customer credit business next time, and will join the internal high-risk customer list, that is, the internal "blacklist" ...