First, the credit card blacklist:

Refers to the credit card users who are listed by the relevant banks as refusing credit.

Second, the impact of the blacklist:

Blacklist data is kept in the personal credit information system of the central bank for seven years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If you want to get rid of it, you have to wait seven years. After the seven-year retrospective period, the bank will automatically cancel the blacklist. Please note, however, that if your original behavior is too bad, the bank can ask for further tracing (provide relevant certificates, such as repeated visits, malicious fraud, etc.). ), which means it will last for seven years or even forever.

Third, a suggestion:

Your situation, to some extent, can be considered an accident. If you only inadvertently owe money for a few days and then pay it back quickly, you can also waive the "blacklist" as appropriate. Banks will generally distinguish between bona fide arrears and malicious arrears as appropriate. You should take the initiative to explain the situation to the bank, which may be eliminated after consultation. If you don't move, the result will still be blacklisted. You can try it at the bank. It might work.