1. If a credit card is overdue for a total of 6 times or the total number of overdue days exceeds 90 days, it will be blacklisted by the bank. From the date of repaying the bank loan, you cannot apply for any bank loan business within 5 years.

2. Once individuals inquire about bad records, they can take the following methods to remedy the situation:

First of all, for ordinary bank credit card bad records, if it is a bank that causes problems such as credit card repayment, If you have bad records, you can immediately consult the bank's customer service phone number. If the case is minor, just explain that it is not malicious, which can generally help eliminate the records.

Secondly, the basic database records of personal credit information in the credit reporting system cannot be eliminated. The newly implemented "Credit Information Industry Management Regulations" stipulate that personal bad information will be kept for a maximum of 5 years, and any information that exceeds 5 years will be deleted.

Banks generally review customers based on their credit records in the past two years, so when there is a bad record, they should not be overdue for two years and repay on time. The new, good credit record will gradually replace the old bad record. , otherwise the old records will always exist. Similarly, for consumers who use credit cards and have overdue records, do not rush to cancel the credit card, because the bad records will not disappear after cancellation. Credit cards that have not been used for a long time should be canceled in time to avoid having unknown annual fees and causing bad records.