Overdue credit cards refer to personal credit card consumption with arrears, overdue payment records, or annual fees incurred due to failure to open or cancel credit cards in time, which will be listed as bad records in personal credit reports.

Black accounts, as the name suggests, are users who are on the blacklist. If a cardholder submits false information when applying for a card, maliciously overdrafts during card use, is seriously overdue, or illegally cashes out, he or she will be blacklisted by the bank.

1. In terms of degree, credit card blackouts are more serious than overdue credit cards. Both are difficult to get loans for.

2. The blacklist data will be retained in the personal credit system for 5 years. If it is bankruptcy or other serious negative records, it will be retained for a longer period. Within 5 years, you will not be able to obtain loans, guarantees, and apply for credit cards at various financial institutions, nor will you be able to apply for mortgage loans such as housing and car purchases.

At the same time, if the debt is not paid off, the record will be retained in the personal credit system and cannot be deleted, which will damage the user's credit, and in serious cases, he or she may be held legally responsible.

3. After the cardholder is blacklisted by the bank, he should contact customer service in time to clarify the reasons before taking the next step. If you will be blacklisted due to non-malicious arrears such as annual fee arrears, you can explain the situation to customer service and pay off the arrears in a timely manner. Once confirmed, you will be exempted from the blacklist. Those already on the blacklist can also be eliminated as appropriate.

Cardholders must not give up after having a bad credit record or being blacklisted. Instead, they will pay less attention to card usage guidelines. Instead, you should ensure good card usage habits, spend rationally, repay loans on time, and minimize the number of cash withdrawals.