Ebright is service-oriented and has no special advantages. I suggest you that if your Everbright card limit is below 8,000, you really don’t need to use it. If the limit is higher, it will be fine. When you increase the limit, It will also be higher, but if you really don’t plan to use it, you must call to open the card first and then cancel it. Generally, it will take up to 7 working days to notify you that the cancellation is successful. You should pay special attention to this because there is no automatic cancellation period for Everbright cards. , even if you don’t open a card in the first year, your annual fee will be charged from the second year. Many people are confused when they receive bills or reminder notices.

Credit card blacklist:

1. Credit card blacklist Credit card blacklist refers to credit card users who have been refused credit by the relevant bank. Once added, it will be absolutely impossible to get a loan or apply for a credit card in China.

2. How the credit card blacklist is generated

1. People who use false information to apply for credit cards mostly use external agencies to apply for cards. After the bank finds the agency, it will deal with these agencies. card processing; or if you forge or conceal or omit important information when applying for a credit card, the bank will blacklist you.

2. Use credit cards to cash out, such as online transactions such as Taobao, or external card raising companies. In fact, the possibility of being investigated and dealt with in these situations is very low, 10 to 10. If you are in this situation, you are very unlucky.

3. Long-term overdue payment and repeated reminders, such as being overdue 4-5 times in 2 consecutive months, and being overdue 2 times in 3 months or more (explain that entering the blacklist does not necessarily mean that the card cannot be used) , these overdue situations refer to situations where the card cannot be used).

4. Factors that other banks think may cause risks (your factors).

3. Cancellation of credit card blacklist inquiries Blacklist data will be retained in the central bank’s personal credit reporting system for seven years, and particularly serious and obviously malicious negative information such as bankruptcy will be retained for ten years. After the retention period, negative records will be deleted from personal credit reports. If you want to eliminate it, you can only wait for seven years. After the seven-year retroactive period, the bank will automatically cancel the blacklist. However, please note that if your behavior was too bad at the beginning, the bank can ask for a further retroactive period (provide relevant proof, such as Proof of repeated visits and failure to return, malicious fraud, etc.), which means it will have to be extended for seven years, or even permanently retroactive. You can bring the ID number you want to inquire to the relevant bank for enquiry.