Of course. Banks set up blacklists for bad customers to avoid risks. According to the relevant laws and regulations, personal credit information has bad information, which affects personal financing and credit, and has no effect on bank account opening or deposit. If you have a debit card, it doesn't matter whether you are blacklisted or not. Just take your ID card to the bank, and the front desk will lead you to do it yourself.

First, the process of handling bank cards is:

1. Bring your ID card and a copy to a nearby bank outlet;

2. Get the application form at the front desk of the bank, fill in the application form according to your real information, and hand it over to the salesman together with a copy after filling it out;

3. Wait for the salesman to handle it. In the process of handling, you need to set and confirm the password, and set it according to your own ideas;

4. After the processing is completed, you will get a receipt, and you need to pay the production cost and annual fee;

5. If online banking is needed, the applicant can use the electronic password card, which is simple and convenient to use without extra charge. If the applicant's cash flow is relatively large, then you can use the U shield to download the digital certificate with the help of the salesman.

Two, become a credit black account conditions mainly include the following:

1. The status of loan or credit card account shows abnormal status such as frozen, stopped payment and bad debts;

2. Abnormal loan or credit card account status, such as freezing, stopping payment, bad debts, etc.;

3. The loan has been overdue for more than 8 times in the repayment status record of the last 24 months;

4. In the repayment status record of the loan in the last 24 months, the number of times that the loan is overdue for three times has accumulated more than two times;

5. Other individual customers who should enter the prohibited category as determined by the business department.

Legal basis: Article 28 of the Measures for the Administration of Bank Card Business.

Individuals applying for bank cards (except stored-value cards) shall provide their valid identity documents specified by the public security department to the issuing bank, and open a registered account for them after passing the examination by the issuing bank; To open a basic deposit account, a domestic financial institution shall apply for a corporate card with an account opening permit issued by the People's Bank of China; Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented or lent.