The details of being included in the list of untrustworthy people are as follows:
1, blacklisted by the bank, that is, become a faithless person. This means that the person subjected to execution has the ability to perform and does not perform the obligations stipulated in the effective legal documents. When the court decides the result, the debtor has the ability to perform but fails to perform the repayment. Those who meet these two conditions can be included in the list of untrustworthy executors, regardless of the amount;
2. So being blacklisted by banks has nothing to do with the amount, and there is no uniform regulation. This is a matter for the bank. Even 1000 may be blacklisted if the money owed to the bank is not paid for a long time. Or if you owe more money, the bank may blacklist you at any time.
The influence of parents' overdue on their children's schooling is as follows:
1. If the user's overdue situation is serious, and he becomes an executor of dishonesty after being sued by a financial institution, it will affect the children's attendance at private schools and college;
2. If the user is overdue, but is not listed as an executor of dishonesty, the child's college attendance will not be affected.
The consequences of overdue credit cards are as follows:
1, overdue penalty interest, and overdue credit card will generate penalty interest. The bank will calculate overdue interest on a daily basis. The longer the user is overdue, the more overdue interest will be generated;
2. It will affect personal credit information. After the credit card expires, it will affect personal credit information. Our overdue records will be uploaded to the central bank's credit information system. Once the personal credit record is overdue, it will be affected if you want to buy a house and a car with a bank loan later;
3. Bank collection. After the credit card is overdue, the bank will take collection measures for overdue users. In addition to SMS and telephone collection, banks may also collect money at home, which will definitely have a certain impact on the lives of credit card users.
To sum up, users should pay off overdue debts as soon as possible, regardless of whether overdue will affect their children's schooling. If the overdue records remain in the credit information, it will form a credit information stain, and users will not be able to handle other credit information business in the future. No matter how much money is owed, the court can file a case as long as the creditor is willing to pursue it. In other words, no matter how much you owe online loans, you may be sued. Since the arrears are civil disputes, online loans are generally not subject to criminal responsibility. However, not pursuing criminal responsibility does not mean that there is no need to repay the arrears.
Legal basis:
Article 1 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"
If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust and impose credit punishment on him according to law:
(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;
(2) Obstructing or resisting execution by forging evidence, violence or threats;
(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;
(4) Violating the property reporting system;
(5) Violating the consumption restriction order;
(6) refusing to perform the settlement agreement without justifiable reasons.
Article 3 of the Provisions of the Supreme People's Court on Restricting the High Consumption and Related Consumption of the Executed Person.
If the person subjected to execution is a natural person, after taking measures to restrict consumption, he shall not have the following high-consumption and non-essential consumption behaviors for life and work:
(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;
(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;
(four) leasing high-grade office buildings, hotels, apartments and other places to work;
(5) Purchasing non-essential vehicles;
(6) tourism and vacation;
(seven) children attending private schools with high fees;
(8) Paying high premiums to purchase insurance wealth management products;
(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains;
If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.