Overdue credit card refers to personal credit card consumption due to the failure to open or cancel the credit card in time, such as arrears, overdue payment records or annual fees, which will be listed as bad records in personal credit report.

Black households, as the name implies, are users who enter the blacklist. If the cardholder submits false information when handling the card, maliciously overdraws in the process of using the card, seriously overdue or illegally cashes out, it will be blacklisted by the bank.

First, to a certain extent, illegal users of credit cards are more serious than overdue credit cards. It is difficult to get loans for both.

Two, the blacklist data in the personal credit information system for 5 years, if it is bankruptcy or other serious negative records will be retained for a longer period of time. You can't apply for loans, guarantees or credit cards in various financial institutions within five years, and you can't apply for mortgage loans such as housing and car purchase.

At the same time, if the arrears have not been paid off, the records will remain in the personal credit information system, which cannot be eliminated, damaging the user's credit and even being investigated for legal responsibility.

3. After being blacklisted by the bank, the cardholder should contact the customer service in time, and then take the next step after clarifying the reasons. If it is due to non-malicious arrears such as unpaid annual fees, you can explain the situation with customer service and pay off the arrears in time. You can avoid being blacklisted after confirmation. Those who are blacklisted may also be removed as appropriate.

After a cardholder has a bad credit record or is blacklisted, he must not give up on himself, let alone pay attention to the standard of using the card. Instead, it is necessary to ensure good card habits, reasonable consumption, timely repayment, and minimize the number of withdrawals.