First of all, when the cardholder knows that he has been blacked out, he should communicate with the issuing bank in time to inform him of the reasons for overdue, indicating that he did not intend to overdue. Secondly, in the case of knowing that they have been blacked out, cardholders should repay in time.

As long as the overdue repayment is found in time, the bank can handle overdue records as appropriate. Finally, the cardholder should not stop using the credit card and continue to use the blacked-out credit card. Overwriting previous overdue records with good credit card records may be deleted from the blacklist soon.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

What if I am blacklisted in the bank?

Question 1: What should I do if I am blacklisted by the bank? 15 is put into the bank blacklist, and the general bank account will be frozen first, which is a heavier punishment, such as the fine of writing a bad check for many times or refusing to pay a bad check, but it will not happen occasionally.

Besides, if you are blacklisted, the People's Bank of China will usually notify you. In addition, as long as you apply to the People's Bank of China and handle it according to regulations, you can cancel it.

If you are really uneasy, you can apply for printing a credit record report at the local branch of the People's Bank of China.

Note: It is not the Bank of China, but the People's Bank of China.

Question 2: What should I do if I am blacklisted by China Bank? 1. Check whether overdue accounts have been settled. Those that have been settled may be exempted. If it is not settled, there will be bad debts, so the record is permanent. At the same time, the record of overdue accounts in the banking system will also be permanent. The bank version of the credit report records the credit situation in the last seven years and the repayment situation in the last two years. Only the personal inquiry version of the People's Bank of China briefly recorded the credit situation in recent five years. If you have an overdue account, it will be blacklisted.

2. The personal credit inquiry report printed by the People's Bank of China only shows the brief credit situation within five years. After five years, bad records will only be updated. Bad records actually exist forever, but they are no longer displayed. The personal inquiry version of China People's Bank is not a complete credit report, and banks and other financial and credit institutions shall take the bank credit report as the standard. The personal inquiry version of the People's Bank of China is only a simplified version, which is only for your own reference and cannot be used as a basis for credit review.

Question 3: What should I do if I am blacklisted by the bank? As long as you don't owe money to the Bank of China, or you don't have a bad credit record, for example, you shouldn't pay back in time several times, should you? It is the user's right to choose which bank's service to use. Go directly to the bank that blacklisted you and find their president.

Question 4: How can I get rid of the bank blacklist 1? If the repayment is overdue and not blacklisted, the previous record will be eliminated after two years.

2. If it has entered the blacklist, but the money has been paid back, it will be eliminated in 5-7 years according to the comprehensive situation. If you haven't paid off your debts, you will be blacklisted forever. Data connection and display ... If the defect is caused by the bank, you can inquire in person and apply for cancellation. This procedure is very complicated, and it will go through the following processes: the branch submits an application for amendment, and the leaders of the third-tier bank sign it—upload it to the provincial branch for signature and confirmation—submit it to the head office, and after verification, apply to the People's Bank of China, and the People's Bank of China will handle the application and cancel it. If not, then it is safe to say that no one in the bank has the ability to unilaterally modify the credit information. This is not a favor. Two people can handle it. If the defect is caused by the bank, you can go to the interview and ask for cancellation. This procedure is very complicated, and it will go through the following processes: the branch submits a correction application, and the third-level leader signs it—uploading it to the provincial-level branch for signature confirmation—submitting it to the head office, and after verification, applying to the People's Bank of China—the People's Bank handles the application and cancels the record.

Question 5: What are the consequences of entering the blacklist of bank credit cards? How to solve the problem of deleting bad records in the Credit Information Center of the People's Bank of China after five years? In the meantime, it is difficult for you to apply for credit cards and bank loans.

Question 6: What should the People's Bank of China do if it enters the credit blacklist? First of all, the credit information system of the People's Bank of China truthfully records personal credit information, personal debt repayment, contract performance, law-abiding and other information. There are both positive information that you repay on time and negative information that you don't repay according to the contract. Credit information system accumulates credit wealth for individuals, which helps to solve the problem of information asymmetry in credit transactions. The credit information system is not a "blacklist".

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad credit information is five years, and those that exceed five years shall be deleted. The specific algorithm is five years from the date of termination of bad behavior or incident.

If you have a bad credit record and it is serious, banks and other financial institutions will reject your credit card or loan application accordingly.

At present, there is no way to eliminate it as soon as possible except that the information is really wrong. What you need to do is to avoid new bad records, pay attention to accumulate good credit records, and constantly improve the credibility.

Question 7: What should I do if I accidentally add bank information to the blacklist? Generally, after adding a blacklist, I can try to check the relevant information in the blacklist of mobile phone calls or in some blacklist management software, such as Le Security and Anti-Harassment Assistant.

You can check it yourself, or tell the specific mobile phone model, so as to effectively tell the exact plan.

Question 8: What if bank arrears are blacklisted? Default on bank loans will be blacklisted. After that, if you want to apply for a bank loan or a credit card, the bank will not give it, because the loan system is networked nationwide. As long as the bank checks that your credit rating is poor, the bank will not give it to them.

Question 9: What should I do after the bank loan is blacklisted? It will be five years before you can borrow money to buy a house. Don't trust those who say they can get rid of your bad credit record, that's a liar.

Question 10: Am I blacklisted by the bank? Yes, you are on the blacklist. More precisely, you have a bad repayment record. The following are the rules and regulations:

1, as long as there is overdue repayment, it has already affected your personal credit history. Once personal credit is bad, it will affect many aspects of you, including personal loans and applying for credit cards from other banks.

2. If the bad record is not caused by the bank, it cannot be revoked manually.

3. Personal loans overdue's bad record will exist forever.

4. Bad records caused by overdue repayment of credit cards can be covered within 24 months after normal repayment. Only the repayment records of the credit card in the last 24 months are kept, but the card will be cancelled after the arrears are settled, and the overdue records will exist forever.

It is suggested not to cancel the card after clearing the arrears, but to cover the overdue record with a good record of timely repayment. (There may be a lag in system update, which may be delayed by 2-3 months)

There are several ways to eliminate the blacklist of banks.

Nowadays, bank credit investigation is very important. Overdue loans or credit cards will be blacklisted, affecting all aspects of daily life. So how to eliminate the blacklist of banks? Let me analyze different situations and solutions for you. Let's have a look!

The bank blacklist or bad record we usually refer to refers to the bad evaluation of personal credit by banks, which directly affects individuals' loans to banks and other enterprises. It will also list the credit report of personal loan repayment in the last 24 months.

How to eliminate the blacklist of banks? There are basically several situations that need to be solved.

In the first case, the bad records in the credit report come from the wrong information input. Such as "guarantee", "loan" or false information. Usually, you need to bring your own identity documents, and then raise an objection to the local central bank, which can generally be resolved within 15 working days. If it is a "loan" situation, it may be more complicated and need to be verified and solved by the bank. If there is no clear solution, you can appeal through legal channels.

In the second case, bad records are caused by malicious arrears. When you find a problem for the first time, you should contact your bank to actively solve the problem, pay off the arrears and explain the reasons for the arrears. If the situation is minor, the bank can issue a non-malicious expiration certificate. In this way, your road to applying for a loan will be relatively smooth.

In the third case, it will be eliminated automatically after 5 years. The central bank will keep personal bad credit records for five years, which means that if you pay off all debts, you will keep a good repayment record next time. After 5 years, your bad credit record will be automatically eliminated; However, if you always ignore the arrears, then this bad record will always exist.

How to remove the blacklist of bank cards?

How to remove the blacklist of banks depends on the situation:

1. Goodwill debt

In other words, non-malicious arrears, such as "being loaned", accidentally forgetting to pay the annual credit card fee or overdue for several days, are all goodwill arrears. The first case needs to be solved by legal means. As long as the evidence is sufficient, you can apply to the central bank for objection, which can be lifted within 20 working days after verification. In the latter case, it is easier to negotiate directly with the bank and voluntarily pay the arrears, which can help you eliminate after the two sides reach an agreement.

2. Malicious default

This is easy to understand, that is, subjective and intentional arrears, or repeated enforcement, so because this blacklist will not be eliminated for at least 5 years, if the arrears are paid off, then the bad credit record should be automatically lifted after 5 years or in the seventh year, otherwise it will always be blacklisted, which will not only prevent bank loans, but also restrict travel.

The blacklist of general banks needs to be deleted from the personal credit information system five years after the debt is paid off first. There are two kinds of blacklists: one is the people's bank system, and the other is other banking systems.

In the first case, according to Article 16 of the State Council's Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is five years from the date of termination of bad behavior or events, and those that exceed five years shall be deleted. In the second case, just entering the blacklist of a bank will only affect the credit card and loan applications in that bank, and will not affect the applications in other banks. If you have any objection to the credit record itself, you can personally or authorize others in writing to fill out an objection application form at the Credit Information Service Center of the People's Bank of China or a local branch with a copy of your valid personal identification, and the central bank will conduct investigation and evidence collection. If errors are found, the credit record will be revised according to the application and investigation results.

1. Bad records in the credit report contain incorrect information input. Such as "guarantee", "loan" or false information.

Usually, you need to bring your own identity documents, and then raise an objection to the local central bank, which can generally be resolved within 15 working days. If it is a "loan" situation, it may be more complicated and need to be verified and solved by the bank. If there is no clear solution, you can appeal through legal channels.

2. Bad records are caused by non-malicious arrears.

You should contact your bank to actively solve this problem, pay off the arrears and explain the reasons for the arrears. If the situation is minor, the bank can issue a non-malicious expiration certificate.

3. It will be eliminated automatically after 5 years.

The central bank will keep personal bad credit records for five years, which means that if you pay off all debts, you will keep a good repayment record next time. After 5 years, your bad credit record will be automatically eliminated; However, if you always ignore the arrears, then this bad record will always exist.

What if the credit card is blacklisted?

Legal analysis: after the credit card is blacklisted, don't cancel it, as long as you keep normal consumption for a long time. Generally, after two years, the credit report is good, and the bank will consider it comprehensively. Bad records will lead to negative scores, but as long as the cardholder keeps a good record for a period of time, the total score will naturally rise. You can spend more by credit card to ensure timely repayment. Continue to use the card to establish a good credit record, and the interest removed from the blacklist is still very large. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) engages in credit card activities under any of the following circumstances. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

What if the credit card is blacklisted?

Solution:

1. If the overdue amount is small and it happened unwittingly, you can apply to the bank to cancel the bad record, and the bank will submit an application to the central bank.

2. If it is currently overdue (overdue, unsettled), it is usually impossible to borrow money. Borrowers need to settle overdue loans and credit card overdue repayments before applying for loans.

3. If it is historically overdue, first check whether the credit record period has passed. At present, the overdue records of nearly five years are kept in the credit report, and the credit records of more than five years will not be reflected. So overdue five years ago does not affect the loan application.

If it is overdue within 4.5 years, the lending institution will review the overdue situation. Usually, the loan will be refused if it is overdue for more than 6 times or more than 3 times in a row (different banks have different standards). If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan.

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.

Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.

Baidu encyclopedia-credit card blacklist

So much for the introduction of how to make illegal bank credit card accounts.