You should first understand the reasons that lead to the credit card blacklist:

1. Use false information to apply for a credit card. Most of them are looking for an agency company to apply for the card outside. After the bank finds the agency company, , these agency cards will be processed; or if you forge or conceal or omit important information when applying for a credit card, the bank will be blacklisted;

2. Use credit cards to cash in, such as Taobao, etc. Online transactions, or outside card raising companies (actually the possibility of being investigated and punished in these cases is very low, 10 to 20, if you are in this situation, then you are very unlucky);

3. Long-term overdue And multiple reminders have not been paid, such as being overdue 4-5 times in 2 consecutive months, and being overdue 2 times in 3 months or more. (Explain that entering the blacklist does not necessarily mean the card cannot be used. These overdue situations refer to situations where the card cannot be used. );

4. Factors that other banks think may cause risks (your factors).

Methods to eliminate the credit card blacklist:

After a credit card enters the blacklist, do not cancel the card and just maintain normal consumption for a long time. Usually after 2 years, that's it. That is, within one year, if someone opens your credit report and takes a look, they will see that there was one bad record before. As long as the subsequent ones are good, the bank can take it into consideration.

Bad records will result in negative points, but as long as you maintain good records for a period of time, the total points will naturally rise again.

The method to eliminate bad credit card records is simple: spend more money with your credit card and repay on time.