1. Overdue time: Generally speaking, a credit card overdue for more than 9 days will be blacklisted. This is because banks usually give cardholders the opportunity to repay money within a period of time after the deadline, but if it exceeds a certain period of time, they will take more stringent measures.
2. Amount owed: overdue amount will also affect whether it is blacklisted. If the debt is small and does not reach a certain threshold, it may not be blacklisted immediately. However, the specific amount standard varies according to the bank policy.
3. Credit history: If the cardholder has a good credit history before, the bank may be tolerant to some extent and delay blacklisting him. However, if the cardholder's credit record is poor or there are other problems, the bank may take action faster.
to sum up, how long a credit card will be blacklisted depends mainly on the overdue time, the amount owed and personal credit history. In general, cardholders who are overdue for more than 9 days, owe a lot of money and have poor credit records are more likely to be blacklisted.
Extended information:
In China, banks put credit card holders who have overdue for a certain number of days into the "credit blacklist". After being blacklisted, cardholders may face the following adverse consequences: they cannot apply for credit cards, loans and other financial products again; The credit rating is lowered, which affects the purchase, renting and employment; Restricted to take high-speed rail, civil aviation and other means of transportation; Restricted by law, etc. Therefore, paying off the credit card arrears in time is an important way to maintain personal credit.