There are generally two situations for black bank accounts: First, personal credit is not good, there are multiple overdue interest payments or direct non-repayment in the credit reporting system, and the personal account is blacklisted by the bank; Second, people who have been listed on the list of dishonest persons by the people's court, have engaged in tax evasion, defaulted on payment of telecommunications and broadband fees, or have major criminal records are also black accounts of the bank.

Once you become a black account and have a credit stain, you should take timely measures to restore your credit. There are two points:

The first point: you must first pay off the debt, whether it is a loan or a default. Public expenses (many people may not know that tax arrears, civil judgment enforcement and telecommunications arrears records, etc.) will be reflected in the detailed version of the personal credit report of the bank. Therefore, when the broadband and number are not used, Remember to log out).

Second point: Since the credit report currently only saves records for the past five years, after a credit stain occurs, you can cover the previous negative records with five years of good credit records. After this, unless you have a major criminal record, your loans will basically not be affected.

Extended information:

Twelve situations of becoming a black account in the bank:

1. Overdue credit card payments three times in a row and six times in total may lead to a black account in the bank.

2. If the monthly mortgage payment is overdue for 2 to 3 months or does not repay, it may become a black account in the bank.

3. If the monthly car loan payment is overdue or non-repayment for 2 to 3 months, it may become a black account in the bank.

4. If the loan interest rate increases, the monthly payment will still be paid at the original amount. If the interest is overdue, it may become a black account in the bank.

5. Failure to pay water, electricity, and gas bills on time may result in a black account in the bank.

6. Cashing out personal credit cards may turn into a black account in the bank.

7. Failure to repay the student loan may result in a black account in the bank.

8. If the "Sleep Credit Card" is not activated, annual fees will still be incurred. Failure to pay will result in a negative credit record.

9. Failure to repay credit card overdrafts or mortgage loans in a timely manner may lead to a black account in the bank.

10. When providing guarantee to a third party, if the third party fails to repay the loan on time, it may become a bank account.

11. If the mobile phone number is deactivated and the relevant procedures are not completed, the monthly fee will be overdue due to arrears, which will also result in bad records and may become a black account in the bank.

12. If someone else uses your ID card or a copy of your ID card to create a credit card arrears record, you may become a black account in the bank.

Notes on the use of bank cards:

When using bank cards, especially credit cards, you must pay attention to the repayment date and do not overdue it. Overdue repayment will cause you to have bad debts. Record, consecutive overdue payments will result in a black account. When using a credit card, you must consider your own financial capabilities. Do not use the card happily, exceeding your repayment ability, causing overdue repayments and other behaviors.

In order to regulate the credit card business of commercial banks, protect the legitimate rights and interests of customers and banks, and promote the healthy and orderly development of the credit card business, in accordance with the "Banking Supervision and Administration Law of the People's Republic of China and the People's Republic of China" and the "Banking Supervision and Administration Law of the People's Republic of China" These Measures are formulated in accordance with laws and regulations such as the Commercial Bank Law of the People's Republic of China and the Regulations of the People's Republic of China on the Administration of Foreign-funded Banks.

According to Article 82, special merchants who are confirmed to have committed fraudulent activities such as false applications, cashing out credit cards, recording customer data, leaking account and transaction information, malicious bankruptcies, etc.

The acquiring bank shall promptly remove the acceptance terminal, properly retain transaction records and other relevant evidence and submit them to the public security organs for processing, blacklist them, enter them into the bank card risk information system, and communicate with relevant bank card organizations. share risk information and other effective risk control measures.

Baidu Encyclopedia-Credit Blacklist Management Measures