What is the difference between credit card overdue credit investigation and blacklist of dishonesty?

Of course not. First, the implementation agencies of these two methods are different, and there are overdue records in the credit report, which are uniformly included in the credit report by the central bank; The blacklist of dishonesty is enforced by the court; Second, the reasons are different. The former is due to overdue repayment of credit cards, and the latter is due to legal disputes, being sued to the court, losing the case, and failing to perform the obligations determined by the effective judgment. After the creditor applies to the court, it will be included in the list of people who have lost their trust; Third, the possible consequences are different. The former will have different consequences according to the different overdue time. For example, the personal credit report will leave a stain, which will affect the application for a loan from the bank in the future, and you will have to collect liquidated damages. If the overdue amount is large and takes a long time, it will be deemed as malicious overdue by the bank. If it still fails to repay after repeated collection, the bank will also file a lawsuit; If the latter is included in the list of people who have been executed for dishonesty, it will not only affect personal credit information, but also be included in the list of restricting high consumption, thus restricting high consumption and unnecessary consumption behaviors, such as not taking first class, not entering and leaving hotels with star rating and above, golf courses, buying real estate and other consumption behaviors.

For the problems described in the question, I share two suggestions through my own experience in using the card, hoping to help you.

If the credit card is overdue for 90 days, the bank will report it to the credit information system of the People's Bank of China, and at the same time, it will sue the cardholder in court. This operation will be recorded as overdue bad records in the credit information system, not the blacklist of untrustworthy personnel. On the contrary, the blacklist of untrustworthy people is because the loan is not repaid and there are moral differences. The core point is to lose faith in people and have the ability to refuse to perform repayment. Most credit cards are overdue because they are unable to repay, which is the biggest difference between the two.

When the cardholder's credit card is overdue, he should call the bank customer service at the first time to explain his real situation, instead of avoiding it blindly. Even some cardholders have the idea of breaking the jar, which is the most wrong way. Only by bravely facing the debt problem and mastering certain negotiation skills and handling methods can we naturally resolve the situation of overdue collection. I won't go into details here. For details, please refer to the official WeChat account article "Make a Billion with Small Goals".

At the end of the article, I want to send you a sentence. Don't let debt limit your future. As long as you work hard to make money, you will get ashore sooner or later!

First, if the overdue credit card is returned, it will only have a short-term impact on you personally. If you have credit business dealings with the bank in the future, the bank will take your bad record as a reference and decide whether to continue to cooperate with you.

Second: become a blacklist of dishonesty, that is, we often say that those who break their promises are executed. The untrustworthy person who is included in the list of executed persons will be disclosed with basic information, and will be restricted from high consumption, taking trains, planes, entering and leaving the country, etc.

So to sum up, there is still a big difference between the two. If you are in debt crisis, please find a solution as soon as possible.

Credit card overdue is a common situation, so some cardholders will have a normal psychology and will not take it too seriously. However, the negligence of the cardholder will easily lead to more serious consequences, leading to overdue records being uploaded to the central bank's credit information center and known by other banking financial institutions. Moreover, the overdue credit record will remain in your credit record for five years after you handle the overdue.

The "list of untrustworthy people" refers to those who are sued by the bank to the court, resist execution, violate high consumption restrictions, transfer property, and fail to perform obligations. And will be included in the "list of untrustworthy people". This is the scope of court enforcement, which is different from the blacklist of bad credit records of banks. After you fulfill the court decision and apply to the court, the record of dishonesty will be revoked.

I am eleven years old. Let me answer this question.

Strictly speaking, there is no such thing as a "blacklist".

Let me explain the terminology first: the official definition of "overdue credit reporting" is that the credit card is overdue and recorded as bad by the personal credit reporting system of the central bank. In other words, the credit card is overdue and our personal credit report has a bad record.

The "blacklist of dishonesty" is also a folk saying. The official does not have this title, and there is no blacklist. The personal credit report records all the credit information of everyone. All the contents recorded in this report are fair and objective, and there will never be a subjective statement of "blacklist".

"Breach of trust" refers to "the person who has been breached", which means that the defendant has the obligation to repay the debt after the court's judgment. If he refuses to repay, the court can list the debtor as "the person who has broken his promise", which is what we often say. In fact, the correct name should be "the trusted person".

Back to this question, overdue credit cards will definitely be collected at the meeting, but they are not necessarily people who have broken their promises. There may be a "blacklist" in the bank's internal system, but there will definitely be no "blacklist" in the central bank's credit information system.

I hope I can help you.

I'm Shi Yi, pay attention to @ Shi Yi, and talk about money. Let's talk about money together

In fact, it is very simple to distinguish between the blacklist of credit information and the list of dishonesty. Just look at these points:

1. Look at the connotation

The "blacklist" of banks refers to the list of people with tainted records in the credit file of the credit information system of the People's Bank of China; The court's "list of people who have been executed in bad faith" refers to six situations, such as resisting execution, violating high consumption restrictions, transferring property and refusing to perform obligations, and will be included in the "list of people who have been executed in bad faith". Even if an individual has a bad credit record, he should go to court to enforce the law, such as multiple overdue records; However, the person subject to breach of trust belongs to the category of court enforcement.

2. Is it mandatory?

The bank blacklist is only used in the financial industry, and financial institutions decide whether to implement disciplinary measures; The "list of people who have lost their trust" belongs to the law enforcement of the court and gives credit punishment to those who have lost their trust. "This is mandatory.

3. Public sphere

The credit information system of the People's Bank of China is not open to the public, and financial institutions can only inquire after the signature and consent of the inquired person. The "list of people who have broken faith" is to enter the information of the list of people who have broken faith into the list database of people who have broken faith in the Supreme People's Court, and publish it to the public through the list database.

4. Impact on life

The blacklist of banks only involves the financing field, and the rejection of loans will not affect normal life. However, there are many restrictions on those who have broken their promises, such as restricting high consumption, not flying and high-speed rail, restricting real estate transactions, restricting entry into institutions or civil servants, and restricting exit. Therefore, the life of the untrustworthy will be inconvenient, so the consequences of being included in the untrustworthy will be more serious!

The main difference between credit card overdue credit investigation and blacklist of dishonesty is subjective difference. The overdue credit card is caused by the cardholder forgetting the repayment date, while the blacklist of dishonesty is caused by malicious refusal to pay or long-term non-payment when knowing the repayment date.