What do you mean by non-white list users of online merchant banks?

Non-whitelist users refer to users who have been blacklisted. If blacklisted in a bank, it refers to users who have been listed by the relevant bank for a long time as refusing credit, failing to make repeated dunning, illegally cashing out, etc. Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years.

Blacklist refers to users who are overdue for a long time, have failed to repay for many times, illegally withdraw cash, and are listed as refusing credit by relevant banks. Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If you want to get rid of it, you have to wait five years. After the five-year retrospective period, the bank will automatically cancel the blacklist. However, please note that if your original behavior is too bad, the bank can ask for further traceability (provide relevant certificates, such as repeated door-to-door failures, malicious fraud, etc.), which means it will last for five years or even permanently.

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned. Having an annual fee is the most likely thing. Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect. Some people forget their credit cards once or twice, or don't open them at all after they get them; Another part may forget to pay the annual fee for each card because of holding too many credit cards. If the investigation is true, we will have a judgment of non-malicious arrears in this case. If you only inadvertently owe money for a few days and then take the initiative to pay it back soon, you can also waive the "blacklist" as appropriate. The staff of Dayong Sub-branch of China Construction Bank also said that the bad records caused by the arrears of annual fees will be specially handled and will not be blacklisted easily. In addition, banks will distinguish between bona fide arrears and malicious arrears as appropriate. According to the staff of Zhongshan Central Sub-branch of the bank, credit card holders can take the initiative to explain this bad record because they have not paid the annual fee, which can be eliminated through consultation.