Maybe some people don't understand the meaning of bank black accounts, that is to say, some people have bad credit, so there are many overdue phenomena in the bank's credit information system, which are listed as bank black accounts by banks. Then it is very difficult to apply for a credit card or loan from a bank black account. After all, credit is bad. In real life, the most important thing for a person is credit. If you borrow money and don't pay it back, it will make people feel that this person is of low quality.

Many people will choose to pay by installment when buying a house or a car. If they can't afford to buy it in full, they will choose to go to the bank for a loan. However, if it is overdue for many times, it will be difficult to borrow money later. If you want to apply for a mortgage, your bad credit record will be kept for five years. During these five years, you can summarize your bad credit records with good credit records, so that the bank can list you from the bank's black account again.

The solution to the problem is to use good credit records, most of which can be blacklisted after a period of time, but such bad credit records. It can't be modified later, so it is recommended not to do it overdue at the beginning. If you want to apply for a mortgage, you need to pay back the money you owe first. Moreover, it is necessary to maintain a good credit record many times before the bank can believe it again. If your credit record is not good, you can also ask your wife to come to the bank for a loan, which can be handled quickly.

Keep a good credit record, but banks with large loans like this may investigate whether family members have bad credit records. Then we can also know from here that bad credit records will accompany us for a long time, and this credit record will also affect real life, hoping to refuse to be an old lai.