I hacked the bank phone. Does it affect bank payment?

No, the central bank's credit information system is an objective record of personal credit history and does not make any evaluation. Only after the banking system is hacked can the bank freeze your bank card, and the credit center has no right to freeze it.

1. Being blacklisted by the bank will freeze the stock account.

The stock account needs to be bound with a bank card. If you are a dishonest customer, you will encounter problems in binding bank cards. Opening an account for stock trading will definitely have an impact, and your personal credit information will definitely be blacklisted by what you call it. Moreover, your situation is still difficult to handle, unlike credit cards, which can also be used as bank certificates, it is difficult to cancel the bank non-performing loans you have. At present, China's personal credit information is not perfect, and even some things such as finding a job and doing business will be affected. Credit rating is open for life.

Second, the consequences of being hacked by the bank:

1. In the future, card application and loan application will be restricted, and it is impossible to handle deposits, transfers and other businesses in this bank.

2. Spouses and children are implicated. Some people need to inquire about credit information when handling related business in banks. If one of the spouses or parents is blacklisted by the bank, their spouse or children will also be restricted from doing business.

3, work, career interference, when looking for a job or applying for government preferential policies, will be negatively affected, if you are an enterprise legal person, you will also be restricted when handling business.

Third, a brief introduction to the bank.

1. Bank is a legally established financial institution engaged in money and credit business. It is the product of the development of commodity currency economy to a certain stage.

2. Banks are classified into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.

Fourth, the basic explanation

1. Bank is one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.

2. Central Bank: China People's Bank is the central bank of China. Responsibilities: Implement monetary policy, macro-control the national economy, supervise and manage financial institutions and even specialized financial institutions in the financial industry.

3. Policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank. Responsibilities: A financial institution that participates in or guarantees shares for the purpose of implementing and cooperating with the government's social and economic policies or intentions, directly or indirectly engages in policy financing activities in specific business areas, and acts as a tool for the government to develop the economy, promote social progress and conduct macroeconomic management.

4. Commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications. Responsibilities: Financial institutions that act as credit intermediaries through deposits, loans, remittances and savings. Commercial banks are one of the most important financial institutions, and their main business scope includes absorbing public deposits, issuing loans and discounting bills.