Can bank cards from black accounts with bad credit records still be used?

Bank cards from black accounts with bad credit records can still be used. As long as the borrower does not owe the bank any money, the bank card can be used normally. , but I can’t use my credit card. When a credit card is overdue and the borrower refuses to repay the debt, the bank will determine the credit card to be a black account. After the credit card repayment grace period, the bank will upload the borrower's overdue record to the central bank's personal credit system. At this time, the borrower's bank card can be used normally, and he can deposit or withdraw money. When the borrower still does not repay the debt after two collections within three months by the bank, the bank will seize the loan from the borrower. After the judgment is made in accordance with the law, the bank card of the black credit card account will be "only in but not out". The bank card cannot be used normally until the borrower pays off the arrears, late payment fees, litigation fees and other fees.

1. Definition of credit reporting

Credit reporting is a professional, independent third-party agency that establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and An activity that provides credit information services to external parties in accordance with the law. It provides a platform for professional credit institutions to share credit information.

2. The impact of black credit accounts

After entering the credit blacklist, you cannot apply for loans at banks, companies and other financial institutions, and you cannot apply for credit cards. At the same time, it will also affect personal travel, and you will not be able to take flights or stay in star hotels.

3. What are the consequences of credit blacklisting

1. Unable to apply for loans from financial institutions such as banks and companies. Not only was it in vain to get a loan to start a business, but even applications for home loans and car loans were turned away. In modern society, owning a car and a house has become a standard feature of life. Just imagine if you have a stable job and the ability to repay, but you are unable to obtain a home mortgage loan or a car loan from the bank because of a bad personal credit record, you must be completely devastated.

2. You can no longer apply for a credit card. If there is a bad personal credit record, it is no longer possible to apply for another credit card for daily personal consumption. It's the same at every bank, because every bank can check your credit record.

3. Impact on personal travel. If your personal credit record is blacklisted, for example, if you default on a bank loan due to malicious intent, you will be blacklisted by the bank. This will result in the borrower being unable to fly, stay in a star hotel, etc.

IV. What situations will enter the credit blacklist

1. The blacklist or bad record usually refers to the bank’s bad evaluation of an individual’s credit, which directly affects the individual’s future. Banks provide loans and other services. The individual's loan repayment status in the last 24 months will also be listed in the credit report. Once an individual fails to repay the loan on time and causes an overdue payment, the credit report will show the range of overdue days. "1" means 1-30 days overdue, "2" means 31-60 days overdue, and so on. An agency that calls an individual's credit report can easily determine the individual's credit status and how many negative records there are.

2. The overdue requirements for general loans are that it cannot occur twice in the past three months, three times in the past six months, and four times in one year. If you are overdue for more than 90 consecutive days, you will be banned and you will basically not be able to get a loan. If discrepancies are found in the records, objections can be raised directly to the credit management department of the central bank and a written reply can be obtained within 15 days.

3. In addition, many people think that the personal credit report is a "blacklist" and that the credit report is just to record their bad aspects. In fact, personal credit records contain not only personal overdue information, but also information about personal credit card and loan repayments on time and good credit within a certain period of time. For people with good credit, personal credit reports are beneficial to their loan applications and other aspects, and can increase their personal creditworthiness. In fact, the central bank's credit reporting center does not evaluate personal credit, let alone "good" or "bad" credit. What the central bank's credit reporting center does is only "recording" rather than "judging". The bad records mentioned at present are only judgments made by banks to prevent credit risks. Commercial banks have different standards for judging personal credit.

If the credit card has been blacklisted, can I still swipe the card?

If you cannot swipe the card, it is bad information and will be subject to a credit investigation.

The "Regulations on the Administration of the Credit Reporting Industry" has corresponding provisions:

Article 16 The retention period of personal bad information by credit reporting agencies shall be from the termination of the bad behavior or event. It shall be 5 years from the date; if it exceeds 5 years, it shall be deleted.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it. Information subjects can inquire about their own information from credit reporting agencies.

Extended information:

Relevant legal provisions of the "Credit Information Industry Management Regulations":

Article 18 Natural persons, legal persons and other organizations can use the government service window , government credit websites, mobile clients, etc., or query public credit information at public credit information agencies.

After the disclosure period of corporate credit information of legal persons and other organizations expires, it will be transferred to archives and will no longer be disclosed. The inquiry period for personal credit information is generally five years. After the inquiry period expires, the information will be deleted.

Article 19: Card-issuing banks shall strengthen the identification and write-off management of credit card risk assets, and confirm and write-off in a timely manner. The basis, scope of determination, write-off conditions, etc. for credit card business shall comply with the regulations of relevant national departments.

Baidu Encyclopedia - "Credit Information Industry Management Regulations"

Can other credit cards on the bank's blacklist still be used?

If a bank’s credit card is blacklisted, credit cards from other banks can still be used

1. Currently, there are no chain reactions between banks, such regulations or policies are introduced, and they are independent of each other. , will not affect mutual use

2. The Bank of Communications credit card being blacklisted will affect the overall reputation, and will have an impact on future loans and other related financial services. It is recommended that more relevant information be raised in the future. of creditworthiness.

I don’t know how long it took for you to be overdue and become blacklisted by the bank. Generally speaking, overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment is not always recorded in the personal credit report. Yes, my country’s current credit record retention period is five years. Everyone has a personal credit report. Your bad records will be logged into the personal credit report. Personal credit reports are exclusive to banks. This will have a great impact on your future credit standing, handling various loans, etc. . No matter whether you use the money or not, as long as the card is in your name, the credit record will be recorded in your file, and it will affect your bank credit in the future. If you are not malicious in overdue payment, in fact, the bank is not that unreasonable. When you encounter such a situation, it is best to call the bank and patiently explain that you are not malicious in overdue payment. After paying off the debt, the bank will usually Eliminate overdue records.

After the poster pays off the debt, anyone can start over to establish a credit history and start all over again. But if the poster ignores the overdue payment, the consequences will still be very serious, because failing to pay back the bank credit card overdue may be suspected of credit card crime. If the principal amount of the debt exceeds RMB 10,000 and is still not repaid for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed as a "malicious overdraft" under the criminal law, suspected of credit card crime, and shall be sentenced to not more than five years or criminal detention according to law. , and shall be fined not less than 20,000 yuan but not more than 200,000 yuan. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law. If you still have any worries, you can call the customer service of the bank where you hold the card to ask for relevant information. You can also go to the My Love Card website to see if anyone else has answered the same question as you. I hope my answer can help you!

Can I still use a credit card if my credit report is black?

A credit card cannot be used if my credit report is black. A black credit report means that my personal credit record has been included in the credit blacklist. , the bank will quickly freeze the cardholder's credit card, so that the cardholder cannot use the credit card for consumption.

According to the Central Bank's regulations on credit management, the retention period of bad information is 5 years from the date of termination of bad behavior. Bad records that are more than 5 years old will not be displayed, so if the credit report is black , you will not be able to take out another loan or apply for a credit card within five years.

Personal credit information is now not only related to bank credit. When looking for a job, recruiting units may also inquire about personal credit information. Once they see credit stains, they will question the person's credit and will not offer employment.

Of course, if you want to maintain a good personal credit score, you must first use more credit cards and repay them on time. Do not apply for some online loan products. Some online loan products require authorization when applying. If the personal credit report of the loan applicant is inquired, if the authorization is successful, there will be an additional record of loan application inquiry, which is not conducive to the individual's future loans.

Therefore, you must maintain your personal credit in your daily life. If you can repay the loan on time, do not delay the repayment, challenge the bank's bottom line, cause overdue behavior, and make your personal credit worse. There is a credit stain.

Credit reporting is becoming more and more important now

Can I still use my credit card if it is blacklisted?

If the credit card is on the bank's blacklist, you can continue to use it if the credit card is repaid on time, but generally if it is on the blacklist, the card will be frozen. Once you have a bad credit record, you will not be able to apply for credit cards and loans. Users who do not understand the usage of their credit cards can obtain a credit card analysis report through card details, which will analyze your consumption index, consumption records, transaction overview, and also give a credit card risk score and limit increase Probability helps you find the key to increasing your credit card limit. Maintaining good repayment habits and using credit cards for more purchases will also help the bank automatically increase the credit limit of cardholders.

This ends the introduction on whether blacklisted credit cards can still be used and whether bank blacklisted credit cards can be used normally. Did you find the information you need?