Legal analysis: After a credit card is overdue, if it is overdue for 90 days in total, or if it is overdue three times in a row, it is considered a black account. If a credit card holder is sued by a bank and applied for execution, but the cardholder refuses to perform and has the ability to perform but refuses to perform; or obstructs or resists execution by forging evidence, violence, threats, etc., the court will Include them in the list of dishonest persons subject to execution.

Legal basis: "Several Provisions of the Supreme People's Court on the Publication of List Information of Dishonest Persons Subject to Execution" Article 1 If the person subject to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall The court should include them in the list of dishonest persons subject to execution and impose credit penalties on them in accordance with the law:

(1) Those who have the ability to perform but refuse to perform the obligations specified in effective legal documents;

(2) ) Obstructing or resisting execution by forging evidence, violence, threats, etc.;

(3) Avoiding execution by false litigation, false arbitration, or concealing or transferring property, etc.;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) Refusing to perform the settlement agreement without justifiable reasons.