Is it true that our bank will report the blacklist of credit information two hours later?

If you receive a text message or a phone call saying that you will be reported to the credit blacklist, please don't believe it. It's probably fraudulent information. You can learn about the credit blacklist.

The blacklist of credit information refers to the user who is refused credit by the relevant bank. If the loan is overdue for more than three months or more than two times, the bank will freeze your card and list you as a prohibited customer. In the blacklist, you will also be charged with credit card fraud and malicious overdraft, which will be enforced by the court. If it exceeds 10000, it shall be sentenced for fraud.

How long will the blacklist of credit information be eliminated?

Generally speaking, blacklist data are kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. After the retention period is exceeded, no negative information can be found in personal credit information. Therefore, if you want to consume blacklist or credit information, you can only save it for 5 years.