First, you must not apply for a credit card after entering the blacklist. And after being blacklisted by banks, they will be restricted from spending and leaving the country. Under normal circumstances, users who enter the bank blacklist will be restricted from high consumption and cannot buy plane tickets and high-speed rail tickets. Banks can report restrictions on blacklisted users going abroad. In this case, it will be more difficult to apply for visas and passports, and even if you have a visa, you are not allowed to go abroad; You may also bear the corresponding legal consequences. If the cardholder's overdue behavior is characterized as malicious overdraft, the bank will report the case to the public security organ after repeated collection and a large amount. If it reaches this level, it may be sentenced.

Second, when using credit cards at ordinary times, you must pay attention to your habits, use them rationally, repay them on time, and don't be overdue to prevent them from entering the bank blacklist. If your credit card is blacklisted, you should make up the credit card arrears in time and contact the bank actively. The blacklist retention time is calculated from the time when the cardholder's situation changes, so you must repay.

Third, in addition, bad records can be covered by normal credit cards and repayment records. Because credit card records basically only show the records of the last 24 months, the previous records are difficult to query. As long as the repayment is made on time in the next two years and no new bad records appear, the original negative credit records will be overwritten and a good credit record will be re-formed. So you can continue to apply for a credit card.

Provisions of the Supreme People's Court Municipality on Restricting the High Consumption of the Executed Person

Article 3 If the person subjected to execution is a natural person, after being restricted from high consumption, he shall not commit the following acts of paying expenses with his property:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(nine) other high consumption behaviors that are not necessary for life and work.

If the person subjected to execution is a unit, it is forbidden for the person subjected to execution, his legal representative, the principal responsible person and the person directly responsible for affecting the performance of debts to carry out the acts specified in the first paragraph of this article with the unit property after being restricted from high consumption.