You want to know if you have a black account mainly by looking at your credit history. Usually, you will not be labeled as a black account in your credit history. Black accounts usually refer to people who are seriously overdue. For those who are overdue, it is not a black account. If you apply for loans and credit cards and are rejected once, it is enough to prove that you are a black account.

Extended data:

Personal credit inquiry:

There are generally two ways to check personal credit information. The first is that customers can inquire online. You can apply for a personal credit information report after you enter your personal information and register your account through the Credit Information Center of China People's Bank. The report will have an electronic version, which customers can keep.

The second way is that customers can go to the central bank or commercial banks authorized by the central bank to print their own credit reports, which can be a short version or a detailed version. Lenders can bring their own identity documents and print reports according to actual needs.

It is worth noting that customers can only print credit reports for free twice a year. If they print more than twice, they need to pay some fees. Customers should also pay attention to this and try not to print personal credit reports at will.

There will be more detailed customer credit records on the credit report, and these loan records will always be kept on the credit report. Of course, as long as the lender is not overdue, these loan records will not have any impact on customers and belong to relatively neutral information.

Checking personal credit information affects credit information:

If customers inquire about their own credit information, this situation will not affect their personal credit information. Because this kind of inquiry is a "soft" inquiry, the credit information will not deteriorate because the customer has checked his own credit information.

Of course, if banks or lending institutions or platforms inquire about customers' personal credit information, there will be more records of such inquiries, which will have a certain impact on customers' personal credit information.

Because the inquiries made by banks or lending institutions and platforms in the name of "credit card approval" and "loan approval" belong to "hard" inquiries, once there are too many records of such inquiries, it is easy to "spend" the customer's credit information. Although there will be no bad credit record in credit investigation, too much credit investigation will also affect customers' subsequent credit business.

If you don't want to "hard" query too many records, then customers should be careful not to apply for too many credit cards and loans at ordinary times, so as not to cause too many platforms to query records in the name of "credit card approval" and "loan approval".