What if the credit card is blacklisted?

How to eliminate the blacklist of credit cards

The blacklist is judged according to the records of the credit information system. Illegal operations such as overdue or cash-out of credit cards may be blacklisted. Normal blacklists can only be automatically eliminated by correcting errors and overwriting the original bad records with new good records.

If the cause of bad credit is wrong, you can apply for reconsideration, but you need to submit evidence to eliminate it. Generally, it takes 10 working days to process, but the probability of this credit error is very small; If the credit card is not overdue in bad faith, you can explain the situation to the bank and see if it can be revoked. This requires good communication with banks to achieve the purpose of eliminating records.

If the credit record cannot be eliminated, it will be automatically eliminated after 5 years, and the bad credit record will be kept for 5 years at the longest. As long as you keep a good credit record, the credit card blacklist will be automatically eliminated.

Note: Bad credit reporting caused by improper use of credit cards will affect many aspects. For example, if you buy a house loan, the bank will check the credit information. If the credit information is poor, the bank will refuse the loan; When buying a car loan, you will also check the credit information, and the bank with bad records will still refuse; Therefore, when you use a credit card, you must repay it on time.

Credit cards must control their own desires when spending, and don't buy everything. This will be beyond the tolerance, which will lead to the failure to repay on time and will eventually be blacklisted by credit cards. Therefore, we should control our desires in our daily consumption.

What if the credit card is blacklisted?

Legal analysis: after the credit card is blacklisted, don't cancel it, as long as you keep normal consumption for a long time. Generally, after two years, the credit report is good, and the bank will consider it comprehensively. Bad records will lead to negative scores, but as long as the cardholder keeps a good record for a period of time, the total score will naturally rise. You can spend more by credit card to ensure timely repayment. Continue to use the card to establish a good credit record, and the interest removed from the blacklist is still very large. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC), anyone who engages in credit card activities in any of the following circumstances, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Can the credit card be recovered after being hacked?

1. Can black credit card users recover?

Credit cards are illegal and can be recovered. First, the cardholder needs to pay off all credit card debts, including overdue interest. If you have more interest, you can consult the bank for relief. After the arrears are returned, the overdue records will be kept in the credit information for 5 years, and will disappear automatically after 5 years. There will always be records on overdue credit reports.

Credit cards should not be overdue in daily use, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated.

Second, how long will the credit card be hacked after it is overdue?

If the credit card is overdue to the following extent, it will be considered as a black account.

1. The credit card has been overdue for 3 consecutive times or accumulated for 6 times.

2. The credit card is overdue for three consecutive times or more than 90 days.

In addition, if the overdue account becomes a black account and the overdue amount exceeds 1 000 yuan, the bank has the right to report the case and may go to jail at this time. Credit cards are illegal and can be recovered. First, the cardholder needs to pay off all credit card debts, including overdue interest. If you have more interest, you can consult the bank for relief. After the arrears are returned, the overdue records will be kept in the credit information for 5 years, and will disappear automatically after 5 years. There will always be records on overdue credit reports.

Credit cards should not be overdue in daily use, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated.

Moreover, overdue repayment will lead to bad personal credit information. After bad credit information, various loans will be rejected by banks, such as car loans, mortgage loans and mortgages.

In order to avoid overdue repayment of credit cards, users should think about their repayment plans in advance when using credit cards. If the personal income is relatively high, it is safe to spend by credit card. If your personal income is relatively small, you should use credit cards carefully at this time to avoid spending too much.

When using a credit card, you can set a spending limit. If you can't control your consumption habits, users can call the bank's credit card service hotline to reduce the credit limit of credit cards, which can also avoid excessive consumption of credit cards. When the credit card can't repay on time, users can also use the installment repayment function.

What if the credit card is blacklisted?

Solution:

1. If the overdue amount is small and it happened unwittingly, you can apply to the bank to cancel the bad record, and the 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, the loan will be refused if it is overdue for more than 6 times or more than 3 times in a row (different banks have different standards). If the credit card is overdue only once and there is no overdue at present, it usually has little impact on the loan.

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.

Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.

Baidu encyclopedia-credit card blacklist

What if the credit card is hacked?

First of all, when the cardholder knows that he has been blacked out, he should communicate with the issuing bank in time to inform him of the reasons for overdue, indicating that he did not intend to overdue. Secondly, in the case of knowing that they have been blacked out, cardholders should repay in time.

As long as the overdue repayment is found in time, the bank can handle overdue records as appropriate. Finally, the cardholder should not stop using the credit card and continue to use the blacked-out credit card. Overwriting previous overdue records with good credit card records may be deleted from the blacklist soon.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

That's all for the introduction of how to do if the credit card is blacklisted.