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 it cannot be solved correctly, 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.