Which bank on the bank blacklist can apply for a credit card?

Since it is on the bank blacklist, it is impossible to apply for a credit card, because banks will go to the Credit Reference Center of the People's Bank of China to check their credit when reviewing. Reports with serious bad records will be rejected directly.

Blacklist who can apply for a credit card

No one can apply.

No matter which bank credit card you apply for via any channel, the bank will check your credit report at the Credit Reference Center of the People's Bank of China during review. If you are blacklisted, you will be directly rejected.

Bad records in the Credit Information Center of the People's Bank of China are deleted after five years. They cannot be deleted manually and will not be overwritten.

Can I apply for a credit card if I'm on the blacklist?

The bank won't approve cards for those on the blacklist

Can I apply for a credit card if I'm on the blacklist

You Okay,

Attitude is the most important thing in this situation.

No matter how much money you owe, you have to take the initiative to pay back some.

The bank will generally not sue. ,

But if you don’t answer the phone at all, you will definitely be sued.

Solutions to overdue credit cards:

1. As a credit card holder Once the cardholder is unable to repay the loan on time due to unemployment, illness or other accidents, before the final repayment period arrives, it is best for the cardholder to take the initiative to call the bank's credit card center and state

himself financial situation, declare that you do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount , monthly repayment amount, etc.

In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence, you must repay the loan as soon as possible after it is found to be overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past, and the overdue time is short, and it is found that the repayment after the overdue period is good, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years. If terminated with a card, the corresponding record will no longer

scroll, but will be saved for a long time. Therefore, after an overdue payment on a credit card occurs, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit good during the period, so that you can

rely on rolling Record and remove bad records from the credit reporting system.

In today’s credit society, don’t underestimate the stains of credit cards. This will cause you to be unable to handle many banking services, including car loans, housing loans, and commercial loans, so develop good card usage habits. , learn about the solutions to overdue credit cards and be prepared!

Can I apply for a credit card under the blacklist?

Yes, but not necessarily. Specific reference will be made to other conditions and comprehensive scores, which vary from bank to bank. For those who successfully applied for a credit card after entering the blacklist, the credit limit will be smaller.

Can I apply for a credit card with a blacklist?

Unable to apply. The current credit report reflects the past 5 years. You have to maintain the credit of the black households. After the credit report has been restored within the past 5 years. You can handle it normally.

After being included in the blacklist, can the credit card I applied for before still be used?

Hello, No, the People’s Bank of China stipulates that all card-issuing banks must transfer customers’ consumption and repayments to the credit card. Payment records are uploaded regularly and cannot be tampered with.

The bank will not make any negative comments on your usage records, but will give you honest feedback on your historical usage records without any subjective judgment. If you subsequently apply for a loan, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system. The "Credit Reporting Industry Management Regulations" stipulate that the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted.

How to check whether a credit card is on the blacklist?

Please bring your ID card to the Credit Reference Center of the People's Bank of China and check and print the credit report at any central branch.

Can I apply for a credit card after the bank enters the blacklist?

Tiangang Shengshi Technology Co., Ltd. Professional POS machine sales, credit card processing, credit processing! Follow "Tiangang Shengshi" and there will be small gifts from time to time!

Newbies should pay special attention to the following points when using credit cards:

(1) If the card issuer offers a special discount for the first year to attract consumers to apply for a credit card, special attention must be paid to it. The offers in these promotions are usually short-term. Don’t be fooled by the moment. When choosing a credit card, you still have to give priority to long-term benefits.

(2) Avoid applying for more cards than you can afford. Evaluate your spending habits, needs, and financial situation before deciding which credit cards to choose.

(3) You must sign the new card immediately when you receive it, and cut the old card into pieces to avoid unauthorized use.

(4) You must keep your credit card safe and report the loss immediately if it is lost.

(5) Regardless of credit card or debit card, you must maintain a good credit record.

(6) Cash advance is convenient, but the price is high.

(7) Using revolving credit can help you manage your finances, but please note: Revolving credit is a type of credit loan that allows you to repay the entire consumption amount at once within the payment period. A portion of the amount is paid before the payment deadline, but interest must be paid additionally for revolving credit.

(8) Prevent credit card fraud.

(9) When changing your address or contact number, please notify the card issuer immediately.

(10) You don’t need to pay extra fees when you use your card to make purchases at special stores.

(11) If you are called by a collection agency because you have not paid, you are responsible for paying off the debt immediately. In serious cases, you will bear legal liability.

Can I apply for a credit card if I am on the telecommunications blacklist?

Feel free to give me points. It can definitely be done. The telecommunications system and the bank's credit system are not integrated. They are completely different things. They are just to scare you. What is the credit limit? Even if you owe more than 800, you can use your ID card to apply for a new network card. They will still do it for you, but what they want is cash income, and they can collect the arrears if they can, and you haven't used its services. Why did I charge you? Didn’t I stop it for you? Besides, there are so many agencies. Don’t worry, I’m the one who did this.