How long does it take for a credit card to be blacklisted if it is overdue?

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. 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 reject them. 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.

How to intercept credit card statement text messages on an Apple phone?

Just blacklist credit card statement text messages

Intercept credit card statement text messages on an Apple phone and block credit card statement text messages. Just add it to the blacklist.

How to prevent credit card calls from coming in

Block credit card numbers. The way to prevent credit card calls from coming in is to block them. Blocking them means adding their phone numbers to the blacklist and not answering the calls in the future.

How to get your credit card blocked if you don’t want your husband to apply for a credit card

Six types of illegal operations that can easily cause your credit card to be blocked:

First, blindly apply for a card , unable to repay

Currently. Banking institutions have low thresholds for applying for personal credit cards, which allows some insolvent groups to have credit cards, but they are unable to repay the loans on time after excessive consumption, thus forming a bad record.

Second, credit cards are transformed into “sleep cards”.

Some customers apply for a credit card because of the reputation of their friends, and apply for a credit card reluctantly, which is a passive application. After applying for a new card, if the customer is not willing to use the card, there will be idle cards that have not been used for a long time or the credit card has never been opened, resulting in a de facto "sleeping card in use", causing the new card to be overdrawn while sleeping. Card fees, forming a bad credit record.

Third, the credit card is canceled but the account is not closed.

Although some customers canceled their cards at the counter, due to lack of communication with the bank and no phone confirmation, the credit cards were not actually canceled and annual fees were incurred. Some customers do not know that there are annual fees for credit cards, so they ignore this issue and develop a bad credit record.

Fourth, if you change the registration information, you will not be able to receive bank notifications.

Some banking institutions use paper letters to notify customers that due to the excessive number of credit cards, customers made omissions or errors when changing their information, and were unable to notify customers in time, resulting in short-term overdue credit and a bad credit record.

Fifth, malicious overdraft behavior.

Some cardholders pursue the enjoyment of life and maliciously overdraft their credit cards or resort to cashing out, resulting in bad credit records.

Sixth, the credit card was stolen.

Due to the theft of personal identity information, a credit card is faked without the knowledge of the relevant cardholder, and the card is used to make purchases in his name, which leads to bad records; or the personal identity information and credit card are stolen. , was borrowed, and the card holder swiped the card for consumption without the knowledge of the relevant cardholder, thus causing bad records.

How to blacklist someone else’s transfer account in Bank of China?

Accounts in Bank of China will generally be blacklisted by the banking system only if their credit card is maliciously overdrawn; if you want to blacklist someone else’s transfer account, your current bank account number This function does not exist. For specific related matters, you can ask at the bank counter.

Bank blacklist:

The blacklist is a person who frequently overdrafts his or her card and fails to repay on time, resulting in multiple overdue payments. If the situation is serious, you will be blacklisted by the bank, which will have considerable consequences if you want to deal with the bank in the future, such as applying for a bank credit card or applying for a loan from the bank.

It is easy to get on the bank's "blacklist" under the following circumstances:

1. The bank's monthly payment is overdue, and the credit card overdraft is not repaid in time. Customers who have overdue repayments for 3 consecutive periods or for a total of 6 periods are very likely to enter the bank's "blacklist".

2. Having someone else impersonate your identity and leaving a bad record. Nowadays, in many social and economic activities, one's personally identifiable information is likely to be leaked. When people with ulterior motives use this personal information to fraudulently obtain mortgage loans or apply for malicious credit card overdrafts, they will leave a bad record for themselves.

3. Guaranteeing for others may be implicated. If you provide guarantee for a loan for someone else, if the loan recipient fails to repay the loan in time, you will also be implicated and entered into the bank's "blacklist".

The customer is on the "blacklist" and cannot get a loan within 7 years.

Bank of China (BANKOFCHINA) was formally established on February 5, 1912, with the approval of Dr. Sun Yat-sen. The head office is located at No. 1 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by relevant departments and a national deputy ministerial level unit. As a state-owned financial institution under the leadership of the Communist Party of China, Bank of China is guided by the Thought on Socialism with Chinese Characteristics for a New Era. Bank of China is the note-issuing bank in Hong Kong and Macau. Its business scope covers commercial banking, investment banking, funds, insurance, aviation leasing, etc.

That’s it for the introduction on how to block credit cards.