What is a bank black account? If it becomes a black account, how to eliminate it?

There are generally two kinds of black accounts in banks: first, personal credit is not good, and many personal accounts in the credit information system are overdue or directly unpaid, which are blacklisted by banks; Second, people who have been listed as untrustworthy by the people's court, those who have evaded taxes, failed to pay telecom broadband fees, or those who have a major criminal record are also black households of banks.

Once you become a black household and have a credit stain, you must take timely measures to restore your reputation. There are two points:

The first point: First of all, we must pay off the arrears, whether it is loans or public fees (many people may not know that the records of tax arrears, civil judgment execution and telecom arrears will be reflected in the detailed personal credit report of the bank, so remember to cancel the broadband and numbers when they are not used).

The second point: Since the credit report only keeps the records of the last five years, you can cover the previous negative records with a good credit record of five years after the credit stain occurs. After that, unless you have a major criminal record, your loan is basically unaffected.

Extended data:

12 becomes a case of bank black account:

1. If the credit card is overdue for three times in a row and accumulated for six times, it may become a bank black account.

2. If the monthly mortgage is overdue for 2 to 3 months or unpaid, it may become a bank black account.

3. If the monthly payment of car loan is overdue for 2 to 3 months or fails to repay, it may become a bank black account.

4. If the loan interest rate increases, the monthly payment will still be paid according to the original amount, and the overdue interest may become a black account of the bank.

Failure to pay the water, electricity and gas charges on time may lead to the bank's black account.

6. Personal credit card cashing may become a bank black account.

7. The student loan in arrears may not become a bank black account.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.

9. Credit card overdrafts and mortgage loans that are not repaid on time may all become bank black households.

10. When providing a guarantee for a third party, if the third party fails to repay the loan on time, it may become a black account of the bank.

1 1, the mobile phone number was stopped, and the relevant formalities were not handled. Due to the overdue monthly fee, it will also cause bad records and may become a black account of the bank.

12. Credit card arrearage records generated by others fraudulently using ID cards or copies of ID cards may become bank black accounts.

Precautions for the use of bank cards:

Bank cards, especially credit cards, must pay attention to the repayment date during use, and don't be overdue. Overdue repayment will cause your bad record, and continuous overdue will cause black households. When using a credit card, you must combine your financial ability, and don't be happy when you swipe your card, which exceeds your repayment ability and causes overdue repayment.

In order to regulate the credit card business of commercial banks, protect the legitimate rights and interests of customers and banks, and promote the healthy and orderly development of credit card business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) on Commercial Banks and the Regulations of People's Republic of China (PRC) on the Administration of Foreign Banks.

According to the provisions of Article 82, it has been confirmed that there are fraudulent acts such as false application, credit card cashing, measuring and recording customer information, revealing account and transaction information, and malicious closure.

The acquiring bank shall promptly take effective risk control measures such as removing the acceptance terminal, properly keeping the transaction records and other relevant evidence, submitting it to the public security organ for processing, blacklisting, entering it into the bank card risk information system, and sharing risk information with relevant bank card organizations.

Baidu Encyclopedia-Measures for the Administration of Credit Blacklist