If it is overdue for more than three months, the bank will list you as a prohibited customer (blacklist), and the bad credit record cannot be deleted artificially. After five years, the Credit Information Center of the People's Bank of China will be automatically deleted.

For forbidden customers, unless you can prove that the above overdue results are not caused by your own fault, provide a written explanation, and the loan approval form is signed by the credit business supervisor of the branch (tier-1 branch or tier-2 branch), the institutions at all levels of the bank may not engage in new credit business with you;