People blacklisted by banks are generally due to credit card arrears and other reasons. If they owe money in good faith, they can help you cancel it after verification. If they owe money maliciously, it will be more troublesome. Even if they pay off their debts later, they will keep the records for 5-7 years and then automatically cancel them. If they don't pay their debts, there will always be records.

How to remove the blacklist of banks depends on the situation:

1, arrears in good faith

In other words, non-malicious arrears, such as "being loaned", accidentally forgetting to pay the annual credit card fee or overdue for several days, are all goodwill arrears. The first case needs to be solved by legal means. As long as the evidence is sufficient, you can apply to the central bank for objection, which can be lifted within 20 working days after verification. In the latter case, it is easier to negotiate directly with the bank and voluntarily pay the arrears, which can help you eliminate after the two sides reach an agreement.

2. Malicious default

This is easy to understand, that is, subjective and intentional arrears, or repeated enforcement, so because this blacklist will not be eliminated for at least 5 years, if the arrears are paid off, then the bad credit record should be automatically lifted after 5 years or in the seventh year, otherwise it will always be blacklisted, which will not only prevent bank loans, but also restrict travel.