If you take a loan to buy a house, you cannot buy it because you cannot get a loan. At present, personal credit records have been networked with banks across the country. Once a cardholder has a personal bad record in a certain bank, this record will be shared with other banks and will be eliminated after 5 years. Therefore, if the cardholder wants to borrow money from the bank during the period of black account, the possibility is basically zero. In order to avoid becoming a credit card blacklist and causing credit stains on themselves, cardholders must first establish a rational concept of consumption and good financial management habits, use credit cards reasonably within the scope of spending ability, and avoid excessive consumption.