Credit card holders of Industrial Bank can be blacklisted in the following ways: 1. After the Industrial Bank's credit card repayment is overdue, the cardholder should not cancel the credit card, but insist on using the card for more than two years, during which no bad credit records will be generated, and the bad records will be deleted from the credit information system by rolling records. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. 2. If the overdue amount is small or the overdue is not caused by the cardholder's own reasons, you can apply to the bank to cancel the bad record, and the bank will submit an application to the central bank. 3. Overdue records will be automatically deleted after five years of repayment. At present, the overdue records of nearly five years are kept in the credit report, and the credit records of more than five years will not be reflected. So overdue five years ago does not affect the loan application. When handling new credit business, banks will make comprehensive reference to your historical credit records. If there are overdue records within 5 years, the lending institution will review the overdue situation. Usually, if the loan is overdue for more than 6 times, or if it is overdue for more than 3 times in a row, the loan will be refused (different banks have different standards). If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan. If the credit business applied for is currently overdue (overdue, unsettled), it is usually impossible to handle it. Borrowers need to settle overdue loans and credit card overdue repayments before applying for loans.