No. Being five days overdue will not blacklist the cardholder from the bank.

Details:

1. Late credit card repayments usually do not directly lead to the cardholder being included in the bank's blacklist.

2. Banks usually take a series of measures against overdue repayments, including sending reminder notices, charging overdue penalty interest, etc., but they will not immediately blacklist cardholders.

3. If the cardholder frequently makes late repayments and commits malicious breach of contract, it may affect his or her personal credit record, but this will only occur if there are multiple serious overdue payments.

4. Generally, cardholders may be blacklisted by banks only if they fail to fulfill their repayment obligations for a long period of time, such as being overdue for several months or longer.

Summary:

Being five days overdue will not cause the cardholder to be blacklisted by the bank. However, please note that timely repayment is an important measure to maintain a good credit record, and avoiding frequent late repayments is the key to maintaining personal credit.

Extended information:

China’s credit system is mainly managed by the Credit Reference Center of the Central Bank. Banks will report customers’ credit information, such as repayment records and overdue status, to credit reference agencies. wait. The cardholder's credit record is an important basis for financial institutions to evaluate personal credit status, and will affect the approval results of future applications for loans, credit cards and other financial products.