Legal subjectivity:

Under normal circumstances, if a credit card holder has been overdue for 4 or more times within a year, most banks will drag the customer into the bank's "blacklist" , when customers on the "blacklist" come to apply for credit cards or other loan services, banks will become more cautious, and most of them will directly refuse. Of course, banks will not reject them all. They will consider whether the customer's default was intentional or unintentional, the specific amount of default, and other actual circumstances before deciding. Therefore, if you want to apply for a large credit card again, the bank will probably not allow it, even if it does. Your credit card limit will be appropriately reduced. Legal objectivity:

: Article 13 of the "China Bank Card Industry Self-Discipline Convention" Member units should strengthen publicity on bank card use and risk prevention, and ensure that customers are aware of bank card business interest calculation and charging standards and related risks, and have full rights to know and choose. (1) Member units should strengthen the disclosure of credit card business information, fully reveal the meaning of credit card interest calculation rules, clearly state the interest calculation rules in prominent fonts in the credit card application form, and provide calculation rules and simulation cases through publicity channels such as websites; (2) Member units should implement the requirements of regulatory rules and choose credit card interest calculation methods and corresponding preferential measures suitable for their own development based on actual conditions, but should clearly inform credit card applicants (or cardholders) of the relevant information to ensure that the application People (or cardholders) can decide whether to accept it according to their own wishes. (3) Member units should provide repayment reminders to cardholders at least 3 days before the due date of credit card repayment through bills, text messages, emails, phone calls or letters. (4) Member units can provide multiple billing dates for cardholders to choose and change, and the number of changes can be limited. The above is my answer to this question. I hope it will be helpful to you. Thank you.