I was told that I was on the second-generation credit blacklist. What should I do if I am restricted by the higher order?

Legal analysis: voluntary repayment is the fundamental way, interest and liquidated damages can be dealt with according to law, and the statutory maximum annual interest rate is 15%.

Legal basis: "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"

Article 1 If the person subjected to execution fails to perform the obligations specified in the effective legal documents and is under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust and impose credit punishment on him according to law: 1. Those who have the ability to perform refuse to perform the obligations specified in the effective legal documents; 2. Obstructing or resisting execution by forging evidence, violence or threats; 3. Evading execution by false litigation, false arbitration or concealing or transferring property; 4. Violating the property reporting system; 5. Violating the consumption restriction order; 6. Refusing to perform the settlement agreement without justifiable reasons.

Article 3. If the person subjected to execution is a natural person, after taking consumption restriction measures, he shall not engage in the following high-consumption and unnecessary consumption behaviors: (1) When taking a means of transportation, he shall choose the second-class or above cabin of an airplane, train or ship; (two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; (four) leasing high-grade office buildings, hotels, apartments and other places to work; (5) Purchasing non-essential vehicles; (6) tourism and vacation; (seven) children attending private schools with high fees; (8) Paying high premiums to purchase insurance wealth management products; (9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.