Hello, a credit card black account refers to a person who fails to repay more than twice before the repayment date after the credit card is overdrawn. Qianhua is an original Baidu credit service product, which can meet the capital demand of your daily consumption turnover.

How to understand the black account of credit card?

The black account of a credit card is a credit card, which is overdue.

And it's not a few days overdue

But more than 90 days overdue, there has been no repayment.

It became a credit card black account.

If this debt is paid off,

This record will be kept for another five years.

Five years later, this record disappeared.

So try not to break the law.

What does it mean to be a credit hacker?

Black credit users generally refer to people whose credit cards are seriously overdue or whose loans are seriously overdue, because they are blacklisted by banks. The credit report reflects that the applicant has a serious bad record, and the applicant's willingness or ability to perform debts is seriously flawed. The past debts have formed a factual risk and meet one of the following conditions: 1. The status of loan or credit card account shows abnormal status such as frozen, stopped payment and bad debt; 2. Credit cards in the last 24 months (note: credit cards with "account cancellation" refer to the last 24 months of inquiry time and the last 24 months refer to the last 24 months of settlement year, the same below) have G (account cancellation) or 4 (credit cards have not paid the minimum repayment amount for four consecutive times, and loans are allowed. 3. Loans in the last 24 months (Note: loans with the account status displayed as "settled" refer to loans with the account status displayed as "normal" in the last 24 months of the inquiry time, and the last 24 months refer to the last 24 months of the settlement year, the same below). In the repayment status record, there are G (unsettled account cancellation), Z (repayment with assets) and D (repayment by guarantor). 4. In the last 24 months, the accumulated minimum repayment amount of credit card has exceeded 8 or 3 times (the minimum repayment amount of credit card has not been repaid for 3 consecutive times, and the accumulated overdraft of quasi-credit card is 6 1-90 days) for more than 2 times; 5. In the loan repayment records of the last 24 months, it has been overdue for more than 8 times or 3 times (overdue for 6 1-90 days) and more than 2 times; 6. Other individual customers identified by the business department who should enter the prohibited category. Banking institutions at all levels shall not engage in new credit business with prohibited customers, unless they can prove that the above results are not caused by their own fault, provide a written explanation, and obtain the approval of the loan approval form signed by the credit business leaders of branches (tier-1 branches or tier-2 branches).

What does a credit black account mean?

Because of bad behavior, such as owing bank loans and not paying back credit cards on time. If you don't keep your word, you will go to the credit information system, that is, your credit is not good, and your loans and cards will be affected in the future. Personal opinion, for reference only.

About what is a credit card black account and what is the best credit card black account application, this is the end through the introduction of 2022. I wonder if you have found the information you need?