According to the introduction of Credit Information Center of China People's Bank, there is actually no "blacklist". Credit report is only an objective record of personal credit transaction information, and will not give a "good" or "bad" conclusion.
When judging a person's credit status, commercial banks focus on their recent credit transactions. If customers are overdue occasionally, but later they all repay in full and on time, it is enough to prove that the credit status of customers is developing in a good direction. At present, most commercial banks use overdue repayment for 6 times or more as a node to judge whether an individual has a bad credit record.
It is worth noting that the "inquiry record" item in the credit report will reflect the history of the inquired credit report. If, within a period of time, due to the approval of loans and credit cards, credit reports are inquired by different banks many times, but no new loans or credit cards are obtained during this period, it may indicate that consumers have applied for loans or credit cards from multiple banks but failed. This information may adversely affect obtaining new loans or applying for credit cards.