A credit card black account refers to a credit card customer who fails to repay the money before the repayment date more than two times in a row after using the credit card and overdrafting, resulting in bank collection.

Such customers will be recorded in the People's Bank of China's personal credit system, called bad credit records, and will be kept for 5 years.

Those who have bad credit records more than twice in the personal credit reporting system will not be able to obtain loans, guarantees and apply for credit cards at various financial institutions within 5 years, including housing mortgage loans.

How to eliminate.

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 kept 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 a credit card has been overdue for repayment and becomes a black account, 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. This way, you can rely on rolling records to eliminate bad records. Remove it from the credit reporting system, thus eliminating credit card blacklists.