According to the information provided, "I haven't paid back the China Merchants Credit Card for three months. Later, the card was canceled and all the money was paid back. Is this a black account?"

Answer:

According to the information provided, this case is not considered a black account.

Details:

First of all, based on the fact that the China Merchants Credit Card has not been repaid for three months and the card has been cancelled, it can be initially determined that there is an overdue repayment problem in the account. Late repayment will have a negative impact on your personal credit record, but it does not necessarily mean you will become a black account.

Secondly, from the "all the money was paid back" mentioned in the follow-up message, we can know that the borrower has paid off the China Merchants Credit Card debt in time. Paying off debt on time is an act of avoiding risks and maintaining your credit history.

Summary:

In summary, although the China Merchants Credit Card was overdue in repayment and the account was cancelled, because the user eventually repaid all debts, it was not Belongs to a black household.

Extended information:

The term "black account" is usually used to describe individuals or companies that have lost their credit or have a bad credit record. Becoming a black account may be due to multiple defaults or late repayments, resulting in the inability to obtain corresponding services provided by credit institutions.

Banks and other financial institutions regularly submit personal credit information to various credit agencies as a basis for assessing personal credit status. Therefore, paying off overdue repayments in a timely manner and maintaining a good credit record are crucial to the recovery of personal credit status.

In addition, some users may have misunderstandings about their personal credit history and the definition of a black account, believing that they will become a black account once overdue repayment occurs. In fact, a black account does not arise from a simple late payment, but requires long-term accumulation of bad credit records and defaults. Therefore, timely repayment of debts can help maintain personal credit records and avoid becoming a black account.

The above are conclusions and detailed explanations based on the information provided. Based on China's personal credit record, it is recommended that when using a credit card or borrowing money, you should try your best to abide by the repayment regulations and repay the debt in a timely manner to maintain a good credit record.