The black account of a credit card is a credit card, which is overdue.

And it's not a few days overdue

But more than 90 days overdue, there has been no repayment.

It became a credit card black account.

If this debt is paid off,

This record will be kept for another five years.

Five years later, this record disappeared.

So try not to break the law.

What does it mean to be a credit hacker?

Black credit users generally refer to people whose credit cards are seriously overdue or whose loans are seriously overdue, because they are blacklisted by banks. The credit report reflects that the applicant has a serious bad record, and the applicant's willingness or ability to perform debts is seriously flawed. The past debts have formed a factual risk and meet one of the following conditions: 1. The status of loan or credit card account shows abnormal status such as frozen, stopped payment and bad debt; 2. Credit cards in the last 24 months (note: credit cards with "account cancellation" refer to the last 24 months of inquiry time and the last 24 months refer to the last 24 months of settlement year, the same below) have G (account cancellation) or 4 (credit cards have not paid the minimum repayment amount for four consecutive times, and loans are allowed. 3. Loans in the last 24 months (Note: loans with the account status displayed as "settled" refer to loans with the account status displayed as "normal" in the last 24 months of the inquiry time, and the last 24 months refer to the last 24 months of the settlement year, the same below). In the repayment status record, there are G (unsettled account cancellation), Z (repayment with assets) and D (repayment by guarantor). 4. In the last 24 months, the accumulated minimum repayment amount of credit card has exceeded 8 or 3 times (the minimum repayment amount of credit card has not been repaid for 3 consecutive times, and the accumulated overdraft of quasi-credit card is 6 1-90 days) for more than 2 times; 5. In the loan repayment records of the last 24 months, it has been overdue for more than 8 times or 3 times (overdue for 6 1-90 days) and more than 2 times; 6. Other individual customers identified by the business department who should enter the prohibited category. Banking institutions at all levels shall not engage in new credit business with prohibited customers, unless they can prove that the above results are not caused by their own fault, provide a written explanation, and obtain the approval of the loan approval form signed by the credit business leaders of branches (tier-1 branches or tier-2 branches).

What is a black account with bad credit?

Bank black account refers to the user being pulled into the internal blacklist by the bank because of bad credit.

When a general user handles loans, credit cards and other businesses in a bank, if the bank refuses on the grounds that the credit score is not enough, this shows that the user has been blacklisted by the bank. The reference factor of bank black households is personal credit record. Under normal circumstances, bad credit records will be automatically eliminated after 5 years. Therefore, the bank's black account is not permanent, and the user can cancel the bank's black account after paying off the loan that caused the credit stain and waiting for the record to be automatically eliminated.

Generally speaking, it refers to people whose credit cards are seriously overdue or whose loans are seriously overdue. Because they are blacklisted by banks, it can be said that it is extremely difficult to apply for a credit card. In the black bank accounts that apply for credit cards, they are easily rejected: they have applied for credit cards in the bank before or failed to repay them on time, and they have overdue records, which makes them people with bad credit, that is, black bank accounts.

Due to illegal operation, bank black households have been blacklisted and no longer enjoy banking services. There are many reasons for becoming illegal households, such as serious overdue repayment of credit cards, non-repayment of loans, illegal cashing of credit cards, and criminal records. These will all be blacklisted.

So, what does it mean to have a list of white households in the bank?

White households are those who have never done credit card and loan business in the bank, have no record, and have a blank credit record in the bank. It is relatively easy for white households to apply for a credit card, but the loan will be hindered to some extent. Because there is no credit record, it is impossible to evaluate the past credit situation, it is difficult to approve, or the expected amount cannot be reached.

What is the impact of black households in credit reporting?

1. High penalty interest. The most direct impact of becoming a credit black account is to pay high penalty interest and late fees. According to the regulations of the People's Bank of China, the current penalty interest rate of bank loans can fluctuate by 30% to 50% on the basis of the loan interest rate agreed in the loan contract. After rolling interest, the financial pressure will be even greater.

2. Loan. Credit card application is hopeless. Because it is a credit black account, it is basically hopeless to apply for new loans and credit cards. In severe cases, banks may refuse to provide services to open new debit cards.

3. Affect travel. In recent years, China has paid more and more attention to personal credit records. According to news reports, black households may not be able to buy high-speed rail tickets and air tickets in the future, and their children's attendance at private schools will also be affected. In short, society's tolerance for black households will be lower and lower.

Once you become a black account, you can't handle all the business of the bank, even without considering credit cards and loans. If the circumstances are serious, they will be notified by the police to become Lao Lai. Credit information is becoming more and more important in our life. Closed meetings of banks often bring a lot of inconvenience. Buying a house and even children going to school will be affected.

Everyone should pay attention to their credit status and pay off their credit cards and loans on time. In case of inevitable overdue, you must communicate with the bank in advance and apply for an extension. If white households want to maintain their usual credit as much as possible, they need to accumulate credit to prevent their business in banks from being blocked in the future.

What does it mean to handle a black credit card account?

Hello, a credit card black account refers to a person who fails to repay more than twice before the repayment date after the credit card is overdrawn. It will affect any bank's credit card and personal loan in the future.

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Excuse me, what does a black account credit card mean?

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What does the credit card blacklist mean? What is the definition?

Everyone's central bank has a credit record. Credit card blacklist means that this person frequently overdraws his card, but fails to repay it on time, so that it is overdue for many times. If the situation is serious, it will be blacklisted by the bank, so if you want to deal with the bank in the future, such as applying for a bank credit card or applying for a loan from the bank, it will have a considerable impact.

This concludes the introduction of the meaning of black account credit card and the meaning that bank card is a black account. I wonder if you found the information you need from it?