If the following situations occur, it is easy to be blacklisted by banks and other lending institutions.
1, personal bank mortgage payment overdue for 2-3 months may be blacklisted.
2. If you use your credit card for three times in a row and make six overdue repayments, you may be blacklisted.
3. Personal credit card overdraft consumption and overdue installment repayment may be blacklisted.
4. If the commercial loan interest rate is raised, but the monthly payment is still paid according to the original amount, the overdue interest may be blacklisted.
Extended data:
If the person subjected to execution fails to perform the obligations specified in the effective legal documents, under any of the following circumstances, the people's court shall include him in the list of the person subjected to execution for breach of trust and impose credit punishment on him according to law:
1, refusing to perform the obligations stipulated in the effective legal documents because of its ability to perform.
Obstructing or resisting execution by forging evidence, violence, threats, etc.
3. Evading execution by means of false litigation, false arbitration or concealing or transferring property.
4. Violation of the property declaration system.
5. Violation of the purchase restriction order.
6. Refusing to perform or execute the settlement agreement without justifiable reasons.
Bring a lawsuit against the person subjected to execution for breach of trust;
1. Some high-consumption behaviors, including taking a soft berth by plane or train, are prohibited.
2. Implement other credit penalties, including restricting loans or credit cards from financial institutions.
3. The defaulter is a natural person and may not be the legal representative, director, supervisor or senior manager of the enterprise.
The judicial interpretation aims to guide the courts at all levels to correctly and effectively use credit punishment measures, establish a list of people who have broken their promises, urge them to fulfill their obligations as soon as possible, and promote the construction of social credit system.
On October 2013165438+10/4, the Executive Board of the Supreme People's Court signed a memorandum of cooperation with the Credit Information Center of the People's Bank of China to jointly clarify that the implementation of these topics violates the operating rules that trusts should be included in the relevant credit information system.
References:
Baidu Encyclopedia-Blacklist System for Untrustlers