I have entered the bank blacklist, but I have a CITIC blue card, can I cover my bad information?

Hello, it doesn't seem to work.

1. If the credit card fails to be repaid on time, first of all, the bank will charge the credit card penalty interest and late fee according to the unrepaid amount, and the penalty interest is the daily interest of the unpaid amount, and the late fee is usually about 3%. If the overdue repayment is not more than three times, the cardholder can also remedy, such as the customer's credit card failed to repay on time, and it is not intentionally overdue, as long as the attitude is sincere, take the initiative to contact the bank to repay as soon as possible, under normal circumstances, the bank will also help the customer to eliminate the bad credit record, but the overdue arrears should not exceed 90 days, if the deadline is exceeded, it may be reported to the central bank's personal credit system database.

If a credit card is overdue for more than 6 times, or if it fails to repay once overdue, it will be included in the blacklist of the personal credit reporting system of the People's Bank of China.

2. The personal credit record enters the personal credit reporting system of the central bank, which needs to be determined by the situation.

If the negative credit record is caused by the bank, you can communicate with the bank, and the bank will issue a relevant application to the central bank for correction, or you can take the initiative to ask the central bank to correct the negative credit record caused by the third party, such as the entrusted loan, and the third party does not repay the loan in time, resulting in a bad credit record, as long as the cardholder can provide the relevant materials, and the relevant judicial department will determine that the responsibility lies with the third party. You can apply to the central bank to modify the bad credit record by virtue of the court's judgment and ruling, and if it is a blacklist caused by an individual's malicious default in repayment, it cannot be deleted, and the record will be retained for five years.

No, because it's a blacklist of all banks.

The credit card blacklist will not only affect the use of credit cards by cardholders, but also affect the normal work and life.

Since the credit data is networked across the country, it is difficult for any bank to conduct credit transactions, including loans and credit cards, after entering the credit card blacklist. After entering the credit card blacklist, some high-spending behaviors will be prohibited, including planes, train sleepers, etc.

The blacklist of credit cards will have an impact on the work of cardholders, and they are not allowed to serve as the legal representative, director, supervisor or other positions of credit card companies after entering the blacklist.

How to eliminate the CITIC Bank credit card blacklist.

The credit card blacklist data stored in the People's Bank of China credit database cannot be cleared by individuals.

After the credit card holder is blacklisted, he or she should repay the loan as soon as possible and then continue to use the credit card without canceling it. If the customer continues to use it normally for more than two years, the bad record will not be able to be queried when applying for the loan, and the bank loan will not be affected.

If the credit card has been cancelled, the cardholder can only wait for the blacklist record to be automatically erased. The People's Bank of China credit database is generally retained for 5 years, and if the retention period is exceeded, the negative record will be deleted from the personal credit report. To eliminate this problem, just wait five years, and after five years, the bank will automatically remove the blacklist.

In short, it is very difficult to enter the China CITIC Bank credit card blacklist and apply for new credit business, and life and work will be affected.