How to eliminate the credit card blacklist

Blacklists are judged according to the records of the credit information system. Illegal operations such as overdue or cashing in credit cards may be blacklisted. Normal blacklists can only be eliminated automatically by correcting mistakes and covering the original bad records with new good records.

If there is an error in the cause of bad credit information, you can apply for reconsideration, but it can only be eliminated if an individual submits evidence. Generally, it takes 1 working days to deal with it, but the probability of such credit information error is very small; If the credit card is not overdue in bad faith, you can explain the situation to the bank and see if it can be revoked. This requires good communication with the bank to achieve the goal of eliminating records.

if the credit record cannot be eliminated, it will be automatically eliminated only after 5 years, and the bad credit record will be kept for at most 5 years. As long as the credit record is kept well at ordinary times, the credit card blacklist will be automatically eliminated.

Note: Bad credit reporting caused by improper use of credit cards will affect many aspects. For example, when buying a house loan, the bank will inquire about the credit reporting, and if the credit reporting is bad, the bank will refuse to lend; When buying a car loan, you will also check the credit information, and the bad record bank will still refuse; Therefore, when you use a credit card, you must repay it on time.

Credit cards must control their desires when spending, and don't buy everything. This will exceed the tolerance range and lead to the failure to repay on time, which will eventually lead to the blacklist of credit cards. Therefore, we should control our desires in daily consumption.

What should I do if my credit card is blacklisted?

Legal analysis: After my credit card is blacklisted, I don't want to cancel it, just keep spending normally for a long time. Generally, after two years, the credit report is good, and the bank will consider it comprehensively. Bad records will lead to negative scores, but as long as the cardholder keeps a good record for a period of time, the total score will naturally rise. You can spend more by credit card to ensure timely repayment. Continue to use the card to establish a good credit record, and the interest rate removed from the blacklist is still very large. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China engages in credit card activities under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed; If the amount is especially huge or there are other particularly serious circumstances, it shall be sentenced to not less than 1 years or, in addition, a fine of not less than 5, yuan but not more than 5, yuan or confiscation of property: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who use credit cards simultaneously shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Can a credit card account be recovered after it is hacked?

First, can a credit card account be recovered?

The credit card can be recovered after it is cancelled. First, the cardholder needs to pay off all the credit card debts, including the overdue interest. If the interest is too much, you can ask the bank whether it can be reduced or exempted. After returning the arrears, the overdue records will be kept in the credit information for 5 years, and will disappear automatically after 5 years. There will always be records on the overdue credit information.

Credit cards should not be overdue in daily use, because there will be penalty interest after overdue repayment, and the longer it takes, the more penalty interest will be generated.

second, how long will the overdue credit card be hacked?

if the credit card is overdue to the following extent, it will be considered as a black account

1. The credit card has been overdue for 3 consecutive times or accumulated for 6 times.

2. The credit card is overdue for three consecutive times or overdue for more than 9 days.

In addition, if the overdue account becomes a black account and the overdue amount exceeds 1, yuan, the bank has the right to report the case and may go to jail at this time. Credit card can be recovered if it is illegal. First of all, the cardholder needs to pay off all the credit card debts, including the overdue interest. If the interest is more, you can consult the bank for relief. After returning the arrears, the overdue records will be kept in the credit information for 5 years, and will disappear automatically after 5 years. There will always be records on the overdue credit information.

Credit cards should not be overdue in daily use, because there will be penalty interest after overdue repayment, and the longer it takes, the more penalty interest will be generated.

moreover, overdue repayment will lead to bad personal credit information, and after bad credit information, all kinds of loans will be rejected by banks, such as car loans, mortgage loans and mortgage loans.

In order to avoid overdue repayment of credit cards, users should think about their repayment plans in advance when using credit cards. If personal income is relatively high, it is safe to use credit cards for consumption. If your personal income is relatively small, you should use credit cards carefully at this time to avoid spending too much.

when using a credit card, you can set a consumption limit. If you can't control your consumption habits, users can call the bank's credit card service hotline to reduce the credit line of the credit card, which can also avoid excessive consumption of the credit card. When the credit card can't repay on time, users can also use the installment repayment function.

What should I do if the credit card is blacklisted?

Solution:

1. If the overdue amount is small and occurs unwittingly, you can apply to the bank to cancel the bad record, and the bank will submit the application to the central bank.

2. If it is currently overdue (overdue, not settled), it is usually impossible to make a loan. The borrower needs to settle the overdue loan and overdue credit card repayment before applying for a loan.

3. If it is overdue in history, first check whether the credit record period has passed. At present, the overdue records kept in the credit report for nearly five years will not be reflected in the credit record for more than five years. Therefore, overdue five years ago will not affect the loan application.

4. If it is overdue within five years, the lending institution will review the overdue situation. Usually, if it is overdue for more than six times, or overdue for more than three times in a row, the loan will be refused (different banks have different standards). If the credit card is overdue only once, and it is not currently overdue, it usually has little impact on the loan.

According to the Notice on Printing and Distributing the Measures for the Administration of Credit Card Business:

Article 33 Any unit that has opened a basic deposit account in a financial institution in the People's Republic of China may apply for a company card. A number of corporate cards can be applied for, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card may apply for supplementary cards for his spouse and relatives over the age of 18, and the maximum number of supplementary cards shall not exceed two. The main cardholder has the right to request cancellation of his supplementary cards.

article 34 when applying for a credit card, a unit or individual shall fill in an application form and submit it to the issuing bank together with relevant materials. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue a credit card.

article 35 all funds in the company card account shall be transferred from its basic deposit account, and cash shall not be deposited, and funds from other deposit accounts and sales proceeds shall not be deposited in the company card account.

Baidu Encyclopedia-Blacklist of Credit Cards

What should I do if the owed credit card is blacked out

First of all, if the cardholder knows that he has been blacked out, he should communicate with the issuing bank in time and tell the reason for overdue, indicating that he did not intend to overdue. Secondly, in the case of knowing that he has been blacked out, the cardholder should repay in time.

as long as the repayment is made in time after the overdue payment is found, the bank may handle overdue records as appropriate. Finally, the cardholder should not stop using the credit card, and continue to use the blacked-out credit card. Cover the previous overdue records with good credit card records, so that they may be removed from the blacklist soon.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay.

quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.

each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank.

after the customer truthfully fills in the application form, he/she should submit the completed application form as well as the relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

card cancellation

before the credit card is cancelled, the account balance must be cleared, and the card cancellation process should be completed within 45 days after the application is made.

that's enough for the introduction of how to do if the credit card is blacklisted.