How to eliminate the blacklist of Wenzhou bank credit cards?

In recent years, many card friends have said that they have applied for Wenzhou Bank Credit Card, but they don't know Wenzhou Bank Credit Card. In order to help card friends better understand the knowledge about Wenzhou Bank's credit cards, Card Baby will tell you how to eliminate the blacklist of Wenzhou Bank's credit cards. At the same time, it also sorts out the reasons that may cause the blacklist of credit cards. I hope it will help the card friends.

Possible reasons for the blacklist of credit cards

1, using fake interest to handle credit cards, mostly looking for an agency to handle cards outside, and the bank will handle these agency cards after finding an agency; Or you forged or concealed or omitted important information when applying for a credit card and were blacklisted by the bank;

2. Cash with a credit card, such as online transactions such as Taobao, or foreign card companies (in fact, the possibility of these situations being investigated is very low, one in ten, if you are in this situation, then your luck is very bad);

3. Long-term overdue and repeated dunning, such as 4-5 overdue for 2 months in a row and 2 overdue for 3 months or more (it should be noted that entering the blacklist does not necessarily mean that the card cannot be used, and these overdue situations refer to the situation that the card cannot be used);

4. Factors that other banks think may lead to risks.

Measures to Solve Credit Card Blacklist of Wenzhou Bank

1. If your overdue amount is small and it happened without your knowledge, you can apply to Wenzhou Bank for cancellation of bad records, and Wenzhou 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, if the loan is overdue for more than 6 times or more than 3 times in a row, the loan will be refused. If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan.