1. If you are blacklisted by the bank, you can't apply for a loan. Being blacked out is different from the general bad credit investigation and will generally be eliminated after five years. Personal credit report mainly refers to the contents recorded in the personal credit report found in the basic database of personal credit information of China People's Bank, including personal identity information and bank credit records.
2. Information such as the repayment month, the longest loans overdue term and the accumulated overdue period of personal credit card in the past 24 years can be seen at a glance in the personal credit report. Moreover, with the gradual improvement of the credit information system, at present, the major banks are more and more strict in examining the qualifications of lenders, and use this as a standard to measure the quality of customers and judge whether they can lend.
1. According to the Regulations on Credit Information Management, the retention period of personal bad information collected by credit information agencies shall not exceed 5 years, counting from the date of termination of bad behavior or events. "Five years" refers to five years after the occurrence of personal bad credit records and five years after the termination of the incident. For example, if the borrower has a bad record of overdue repayment by the bank, the retention period must be calculated from the time when the debt is paid off, not from the time when the bad record is generated. For example, if XX should have repaid the loan in March this year, but he delayed it until May. Then it will be five years before you can delete this information in May. For some debtors who maliciously overdraw, no matter how many years, their outstanding debt records will be kept and displayed.
2. What should I do if I am blacklisted by the bank? The methods are as follows: The credit information system of the People's Bank of China keeps the special malicious debts such as bankruptcy for five years and bankruptcy for ten years. Don't think that you will be all right in five years. If it is judged as bad behavior, and there is relevant evidence, it may be delayed by the bank for ten years or even forever if it does not return goods for many times, malicious fraud, etc. Poor personal credit information will also affect your future installment payment, going abroad and other issues. Therefore, we should pay attention to establishing a good credit record and check the credit card repayment in time.