Of course it's different. First, the implementation agencies of these two measures are different, and there are overdue records in the credit report, which are uniformly included by the central bank and included in the credit report; The blacklist of dishonesty is executed by the court; Second, the reasons are different. The former is due to overdue credit card repayment, while the latter is due to legal disputes, being sued to the court, losing the lawsuit and failing to fulfill the obligations determined by the effective judgment. After the creditor applied to the court, it was included in the list of people who have lost their trust; Third, the possible consequences are different. The former will have different consequences according to the overdue time. For example, the personal credit report will leave a stain, which will affect the application for a loan from the bank in the future, and the penalty will be charged. If the overdue amount is large and the time is long, it will be regarded as malicious overdue by the bank, and if it still fails to repay after repeated collection, the bank will also file a lawsuit; If the latter is included in the list of untrustworthy executors, it will not only affect personal credit information, but may also be included in the list of restricted high consumption, thus restricting high consumption and non-essential consumption behaviors, such as not flying first class, not entering and leaving hotels with star rating or above, golf courses, buying real estate and other consumption behaviors.

With regard to the problems described in the question, I would like to share two suggestions based on my own experience in using the card, hoping to help you.

if the credit card is overdue for 9 days, the bank will report it to the people's bank of China's credit information system, and at the same time, it will sue the cardholder in court. This operation will be recorded as overdue bad records in the credit information system, not the blacklist of untrustworthy personnel. On the contrary, the blacklist of untrustworthy people is due to the non-repayment of loans, which has moral differences. The core point is to lose faith in people and have the ability to refuse to perform repayment. Most overdue credit cards are caused by inability to repay, which is the biggest difference between the two.

when the cardholder's credit card is overdue, he should call the bank customer service immediately to explain his real situation, instead of just avoiding it. There are even some cardholders who have the idea of breaking the jar, which is the most wrong way. Only by bravely facing the debt problem and mastering certain negotiation skills and handling methods can we naturally resolve the situation of overdue collection. I won't go into details here. For details, please refer to WeChat official account's article "Making a Billion with Small Goals".

At the end of the article, I would like to send you a sentence. Don't let debt limit your future. As long as you work hard to make money, you can go ashore sooner or later!

first, if the overdue credit card is returned, it will only have a short-term impact on you personally. In the future, if you have credit business dealings with the bank, the bank will take your bad records as a reference to decide whether to continue to cooperate with you.

second: become a blacklist of dishonesty, that is, we often say that people who have broken their promises are executed. The untrustworthy person who is included in the list of executed persons will be disclosed with basic information, and will be restricted from high consumption, taking trains, planes, entering and leaving the country, etc.

So to sum up, there is still a big difference between the two. If you are caught in a debt crisis, please try to solve it as soon as possible.

It is a common situation that credit cards are overdue, so some cardholders will have a normal psychology and will not take it too seriously. However, it is often overlooked by cardholders, which will easily lead to more serious consequences, leading to overdue records being uploaded to the central bank's credit information center and known by other banking financial institutions. Moreover, the overdue record of credit information will remain in your credit information record within five years after you deal with the overdue.

The "list of untrustworthy persons" refers to those who are sued by the bank to the court, resist execution, violate high consumption restrictions, transfer property, fail to perform obligations, etc., and will be included in the "list of untrustworthy persons". This is the scope of court enforcement, which is different from the bank's blacklist of bad credit records. The record of dishonesty will be revoked after you fulfill the court decision and apply to the court.

I'm eleven. Let me answer this question.

Strictly speaking, there is no such thing as a "blacklist".

Let's explain the term first: what we call "overdue credit reporting" is officially defined as: credit card overdue repayment, which was recorded as bad by the personal credit reporting system of the central bank. In other words, the credit card is overdue, and our personal credit report has a bad record.

The "blacklist of dishonesty" is also a folk saying. There is no official name for it, and there is no blacklist. The Personal Credit Report records all the credit information of everyone, and all the contents recorded in this report are fair and objective, and there will never be such a subjective statement as "blacklist".

"dishonesty" refers to "the person subject to dishonesty", which means that after a court decision, the defendant has the obligation to repay the arrears. If he refuses to repay, the court can list the debtor as "the person subject to dishonesty", which is what we often say. In fact, the correct name should be "the person subject to dishonesty".

Back to this question, credit card overdue will definitely be reported at the meeting, but it may not be the person subject to breach of trust. There may be a "blacklist" in the internal system of the bank, but there will definitely be no "blacklist" in the central bank's credit reporting system.

I hope I can help you.

I'm Shiyi, paying attention to @ Shiyi and talking about money. Let's talk about money.

In fact, it is very simple to distinguish between the blacklist of credit information and the list of dishonesty, just look at the following points:

1. Look at the connotation

The "blacklist" of banks refers to the list of people with tainted records in the credit files of the credit information system of the People's Bank of China; The court's "list of untrustworthy executors" refers to six situations, such as resisting execution, violating high consumption restrictions, transferring property and refusing to perform obligations, which will be included in the "list of untrustworthy executors". Even if an individual has a bad credit record, he must go to the court to enforce the law, such as multiple overdue records; However, the person subject to breach of trust belongs to the category of court enforcement.

2. Whether it is mandatory

The blacklist of banks is only used in the financial industry, and it is up to financial institutions to decide whether disciplinary measures need to be implemented; The "list of untrustworthy executors" belongs to the law enforcement of the court and gives credit punishment to the untrustworthy executors. " It is mandatory.

3. Scope of publicity

The credit information system of the People's Bank of China is not open to the public, and financial institutions can only inquire after the signature and consent of the inquired person. The "list of people who have broken their promises" is to enter the information of the list of people who have broken their promises into the list database of people who have broken their promises in the Supreme People's Court, and publish it to the public through the list database.

4. Impact on life

The blacklist of banks only involves the financing field, and being refused a loan will not affect normal life. However, there are many restrictions on the person who is untrustworthy, such as restricting high consumption, not flying and high-speed rail, restricting real estate transactions, restricting entry into institutions or civil servants, and restricting exit. Therefore, the life of the person who is untrustworthy will be inconvenient, so the consequences of being included in the person who is untrustworthy are even more serious!

the main difference between credit card overdue credit investigation and blacklist of dishonesty is subjective difference. The overdue credit card is caused by the cardholder forgetting the repayment date, while the blacklist of dishonesty is caused by malicious refusal or long-term non-return when the repayment date is known.