What should I do if my credit card is blocked?

First of all, when the cardholder knows that he has been blocked, he must communicate with the card-issuing bank promptly and inform the reason for the overdue payment, indicating that he is not the Intentionally overdue. Secondly, when knowing that they have been blacklisted, the cardholder must repay the loan in time.

As long as the repayment is timely after being discovered to be overdue, the bank may handle the overdue record at its discretion. Finally, the cardholder should not stop using the credit card, and should continue to use the blocked credit card. Use good card usage records to overwrite previous overdue records, so that you may be removed from the blacklist soon.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

What should I do if I get on the bank’s blacklist?

Question 1: What should I do if I get on the bank’s blacklist? 15 points will be put on the bank's blacklist. Generally, the bank account will be frozen first. This kind of penalty is relatively severe, such as issuing bad checks multiple times or refusing to pay bad checks, etc., but it will generally not happen once in a while.

In addition, if you are on the blacklist, a notice from the People's Bank of China will usually be sent to you. Moreover, you only need to apply to the People's Bank of China and handle it as required to be removed.

If you really If you are not at ease, you can go to the branch of the People's Bank of China where you are located to apply to print a credit record report

Note: It is not the Bank of China, but the People's Bank of China

Question 2: Being charged by China What should I do if the bank is blacklisted? 1. Check whether the overdue account has been settled. If it has been settled, it can be exempted. If it has not been settled and there is a bad debt, the record will be permanent. At the same time, the record of the overdue account in the bank's system will also be permanent. The bank version of the credit report records the credit status of the last 7 years and the repayment status of the last 2 years. Only the personal inquiry version of the People's Bank of China briefly records the credit status of the 5 years. If your account is overdue and has been blacklisted, you can Continue to use and update your credit history for the last 24 months before closing the account.

2. The personal credit inquiry report printed at the People's Bank of China only shows a brief credit situation within 5 years. After 5 years of bad records, they are just updated. Bad records actually exist forever. It's just no longer displayed. The personal inquiry version of the People's Bank of China is not a complete credit report. Banks and other financial credit institutions are based on the bank version of the credit report. The personal inquiry version of the People's Bank of China is only a simplified version. It is only provided for your own viewing and cannot be used. As a basis for credit review.

Question 3: What should I do if I am blacklisted by the bank? This should not be possible, right? As long as you don't owe money to Bank of China, or have no bad credit history, such as failing to repay your debt in time several times, it shouldn't work, right? It is the user's right to choose which bank's services to use. Go directly to the bank that blacklisted you and go to their president.

Question 4: How can I get rid of the bank blacklist 1? If it is just overdue repayment and is not included in the blacklist, and subsequent repayments are made in a timely manner, the previous record will be eliminated after two years.

2. If it has been blacklisted but the money has been paid off, it will be eliminated in 5-7 years depending on the overall situation. If you have not paid off your debt, you will remain on the blacklist. Data connection and display... If the fault is caused by the bank, you can question it in person and apply to delete the record. This procedure is very complicated and will go through the following process: the branch submits a correction application and the three-level leadership Signature---Upload to the provincial first-level branch for signature confirmation--Submit to the head office, and after verification, apply to the People's Bank of China---The People's Bank of China will process the application and delete the record. If not, then it is safe to say that no one in the bank has the ability to unilaterally modify the credit report. This cannot be handled by two helpers. If the fault is caused by the bank, you can question it in person and apply to delete the record. This procedure is very complicated and will go through the following process: the branch submits an application for correction, and the third-level leader signs it---uploads to the provincial level. Branch signature and confirmation----Submit to the head office. After verification, apply to the People's Bank of China-----The People's Bank of China will process the application and delete the record.

Question 5: What are the consequences of entering the bank's credit card blacklist? How to solve the problem? The bad records of the Credit Reference Center of the People's Bank of China will be deleted after 5 years. During this period, it will be difficult for you to apply for credit cards and bank loans.

Question 6: What should I do if the People's Bank of China enters the credit blacklist? First of all, the People's Bank of China's credit information system truthfully records personal credit information, records personal debt repayment, contract performance, compliance with laws and other information. There is positive information that you paid back the money on time, and there is also negative information that you did not repay the money as agreed in the contract. The credit information system accumulates credit wealth for individuals and helps solve the problem of information asymmetry in credit transactions. The credit information system is not a "blacklist".

The "Regulations on the Management of the Credit Reporting Industry" stipulates that personal bad credit information shall be kept for five years, and any information that exceeds five years shall be deleted. The specific calculation is five years from the date of termination of the adverse conduct or incident.

If you have a bad credit record and it is serious, banks and other financial institutions will reject your credit card or loan application accordingly.

At present, unless the information is indeed wrong, there is no way to eliminate it as soon as possible. What you have to do is to avoid new bad records, pay attention to accumulating good credit records, and continuously improve your credit score.

Question 7: What should I do if I accidentally add my bank information to the blacklist? Generally, after adding it to the blacklist, you can try to check the relevant information in the blacklist of the mobile phone call settings, or you can check it in some blacklist management software. Check out, Rule Security, Anti-Disturbance Assistant, etc.

You can check it yourself, or tell us the specific mobile phone model so that you can effectively inform the exact plan.

Question 8: What should you do if your bank loan arrears are on the blacklist? If you default on bank loans, you will be blacklisted. Then if you want to go to the bank for a loan or credit card, etc., the bank will not grant it. Because the loan system is networked nationwide, banks only need to check if your credit is very poor, and the bank will not grant it.

Question 9: What to do after a bank loan is blacklisted? There is no other way but to Wait until your credit record is cleared in five years before you can get a loan to buy a house. Don’t believe those who say they can clear your bad credit record. They are liars

Question 10: Have I been blacklisted by the bank? Yes, you have entered the blacklist, or to be more precise, you have a bad repayment record. Here are the rules and regulations:

1. As long as you have overdue repayments, your personal credit record has been affected. .

Once you have bad personal credit, it will affect many aspects of your life, including personal loans and applying for credit cards from other banks.

2. Bad records cannot be canceled manually if they are not caused by the bank.

3. Bad records due to overdue personal loans will exist forever.

4. Bad records caused by overdue repayment of credit cards can be covered 24 months after normal repayment. The system only saves the repayment records of the credit card in the last 24 months, but the settlement If the card is canceled after the payment is due, the overdue record will remain forever.

It is recommended not to cancel the card after paying off the debt, but to cover the overdue record with a good record of on-time repayment. (There is a possibility of system update lag, which may be delayed by 2-3 months)

How to eliminate the bank blacklist can be solved in several situations

Nowadays, bank credit reporting is very important , if a loan or credit card is overdue, it will be blacklisted, which will affect all aspects of daily life. So how to eliminate the bank blacklist? Below I will analyze different situations and solutions for you. Let’s take a look!

What we usually call a bank blacklist or bad record refers to a bank’s bad assessment of an individual’s credit, which directly affects an individual’s loans to banks and other companies. Credit reports regarding personal loan repayment status for the last 24 months will also be listed.

How to remove bank blacklist? Basically, there are several situations that need to be addressed.

In the first case, bad entries on your credit report result from incorrect information being entered. Such as "guarantee", "loan" or false information. Usually, you need to bring your own identity document and then go to the local central bank to file an objection application, which can usually be resolved within 15 working days. If it is a "loan" situation, it may be relatively complicated, so it is necessary to find a bank to verify and resolve it. If there is no definite solution, legal means can be used to file an appeal.

In the second case, the bad record is caused by a non-malicious arrears. When you first discover a problem, you should contact your bank to actively resolve the problem, pay off the balance, and explain the reason for the debt. In less serious cases, banks can issue non-malicious expired certificates. This way, your path to applying for a loan will be relatively smooth.

The third situation will be eliminated automatically after 5 years. The Central Bank will keep a personal bad credit record for 5 years, which means that if you pay off all your debts, you will have a good repayment record next time. After 5 years, your bad credit record will be automatically eliminated; however, if you continue to ignore the debt, this bad record will always remain.

How to remove a bank card blacklist

The specific method of removing a bank blacklist depends on the situation:

1. Good faith debts

< p>That is, non-malicious arrears, such as being "loaned", accidentally forgetting to pay the credit card annual fee, or being overdue for a few days, etc., are all bona fide arrears. The first type needs to be resolved with legal means, as long as there is evidence If it is sufficient, you can submit an objection application to the central bank, and it can be lifted within 20 working days after verification. The latter is even easier. You can directly negotiate with the bank and actively pay the debt. After both parties reach an agreement, it can help you eliminate it.

2. Malicious arrears

This is easier to understand. It is a subjective act of intentional arrears, or it has been enforced many times. So because of this kind of The blacklist will not be eliminated for at least 5 years. If the debt is paid off, then after 5 years or in the 7th year, the bad credit record should be automatically lifted. Otherwise, it will always be marked as "blacklisted", which is not only impossible. Bank loans, etc., and travel will also be restricted.

Generally, bank blacklists need to be deleted from the personal credit system after five years of paying off the arrears. There are usually two types of blacklists: one is the People's Bank of China system and the other is other banks system.

In the first case, according to Article 16 of the "Credit Reporting Industry Management Regulations" of the State Council: the credit reporting agency's retention period for personal bad information is five years from the date of termination of the bad behavior or event. If it is more than five years old, it should be deleted. In the second case, if it is only entered into the blacklist of a certain bank, it will only affect the credit card and loan applications at that bank, and will not affect the applications at other banks. If the credit record itself is If you have any objections, you can present a copy of your valid personal identity document and authorize others in person or in writing to fill in the objection application form at the People's Bank of China Credit Service Center or a local branch. The central bank will investigate and collect evidence. If an error is found, it will be based on Application and investigation results to correct the credit record.

1. Bad records in the credit report contain incorrect information input. Such as "guarantee", "loan" or false information.

Usually, you need to bring your own identity document and then go to the local central bank to file an objection application, which can usually be resolved within 15 working days. If it is a "loan" situation, it may be relatively complicated, so it is necessary to find a bank to verify and resolve it. If there is no definite solution, legal means can be used to file an appeal.

2. Bad records are caused by non-malicious debts.

You should contact your bank to proactively resolve the issue, pay off the balance, and explain the reason for the debt. In less serious cases, banks can issue non-malicious expired certificates.

3. It will be automatically eliminated after 5 years.

The Central Bank will keep personal bad credit records for 5 years, which means that if you pay off all your debts, you will keep a good repayment record next time. After 5 years, your bad credit record will be automatically eliminated; however, if you continue to ignore the arrears, this bad record will always remain.

What to do if your credit card is on the blacklist

Legal analysis: After your credit card is on the blacklist, do not cancel the card and just maintain normal consumption for a long time. Generally, after two years, the credit report will be good and the bank will take it into consideration. Bad records will result in negative points, but as long as the cardholder maintains a good record for a period of time, the total score will naturally rise. You can use multiple credit cards to make purchases and ensure on-time repayment. If you continue to use your card to build a good credit history, the interest rate for being removed from the blacklist is still very high. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the fine shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances Whoever commits a crime shall be sentenced to not less than 10 years in prison or fined not less than 50,000 yuan but not more than 500,000 yuan, or his property may be confiscated if: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates; (2) Using Canceled credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

What should I do if my credit card is blacklisted?

Solutions:

1. If the overdue amount is very small and it occurs without your knowledge, you can Apply to the bank to cancel bad records, and the bank submits the application to the central bank.

2. If it is currently overdue (is overdue and has not been settled), the loan is usually not available. The borrower needs to settle the overdue loan and overdue credit card repayments before applying for a loan.

3. If the credit record is overdue, first check whether the credit record period has passed. At present, overdue records of the past 5 years are stored in the credit report. Overdue records older than 5 years will not be reflected in the credit report. Therefore, overdue loans more than 5 years ago will not affect the loan application.

4. If it is overdue within 5 years, the lending institution will review the overdue situation. Usually, if the cumulative number of overdues exceeds 6 times, or if the overdue times are more than 3 consecutive times, the loan will be refused (different banks have different standards) . If the credit card is only overdue once and is not currently overdue, it usually has little impact on the loan.

According to the "Notice on Issuing the "Credit Card Business Management Measures"":

Article 33 Anyone who opens a basic deposit account at a financial institution within the territory of the People's Republic of China and the People's Republic of China Units can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There must be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35 All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

Reference for the above content: Baidu Encyclopedia-Credit Card Blacklist

This is the introduction of how to deal with bank credit card blacklists.