I. Credit Card Blacklist Credit card blacklists refer to credit card users who are listed as refusing credit by relevant banks. Once added, it is absolutely impossible to apply for a credit card in China. Second, how to generate the credit card blacklist 1? When handling credit cards with false information, most of them are looking for an agency to handle the card outside. After the bank finds an agent company, it will handle these agent cards; Or you forged or concealed or omitted important information when applying for a credit card and were blacklisted by the bank; 2. Cash with a credit card, such as online transactions such as Taobao, or foreign card companies (in fact, the possibility of these situations being investigated is very low, one in ten, if you are in this situation, then your luck is very bad); 3. Long-term overdue and repeated dunning, such as 4-5 overdue for 2 months in a row and 2 overdue for 3 months or more (it should be noted that entering the blacklist does not necessarily mean that the card cannot be used, and these overdue situations refer to the situation that the card cannot be used); 4. Factors that other banks think may lead to risks (your factors). Third, the credit card blacklist query cancels the blacklist data, and keeps it in the personal credit information system of the central bank for seven years, and keeps negative information such as particularly serious and obviously malicious bankruptcy for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If you want to get rid of it, you have to wait seven years. After the seven-year retrospective period, the bank will automatically cancel the blacklist. Please note, however, that if your original behavior is too bad, the bank can ask for further tracing (provide relevant certificates, such as repeated visits, malicious fraud, etc.). ), which means it will last for seven years or even forever. You can bring the ID number you need to inquire to the relevant bank for inquiry.

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.