What are the inconveniences after becoming a black household?

After becoming a black household, it really has too much impact on yourself, travel, taking a car, high-speed rail and plane, not being able to buy a ticket, buying a car and buying a house, not taking a loan, etc., will be affected, and call on everyone to be a law-abiding and honest person!

After becoming a black household, you can't take high-speed rail, planes, and high-end consumption. Because, your ID number has been reported to the relevant departments and units, and you will be subject to many restrictions.

Such customers will be recorded in the personal credit reporting system of the People's Bank of China, called bad credit records, and will be kept for 5 years. People who have a bad credit record more than twice in the personal credit reporting system will not be able to borrow, guarantee and apply for credit cards from various financial institutions for 5 years, including housing mortgage loans.

Credit cards can no longer be issued. If you have a bad credit record, it is impossible to get another credit card for your daily consumption. It's the same at every bank, because each bank can check your credit history.

Restrict the purchase of non-essential vehicles, buy two cars, drive one by yourself, and one nanny to buy groceries, then it is impossible, and you can't buy so much with bad credit.

If the borrower is sued by the bank because of malicious overdue, the borrower will not be able to take a plane and stay in a star-rated hotel, that is, he will not be able to make any high-value consumption.

After becoming a credit black account, the opportunity to borrow money from the bank is almost zero. However, the existence of a large number of private financial institutions has made it possible for black lenders to borrow money. But there are a lot of them.

It is not possible to apply for a loan from a financial institution such as a bank or microfinance company. Not only did it become vain to take out a loan to start a business and capital turnover, but even applying for a housing loan and car loan would be rejected.

In recent years, the state has paid more and more attention to personal credit records, so if you are a credit black household, it is very likely that your children will not be able to attend better private schools in the future.

If you have a bad credit history, you will not be able to apply for a credit card if you want to make a credit card for your daily consumption. And it's not just one bank, it's the same for all banks.

Since it is a black account, it is possible to apply for a credit card, or to give him a loan, and he will not ask for it. Unless there is a neuropathy, let alone can't do it

Only those who do not execute the judgment of the court can be listed as a dishonest executor, so they cannot do high-speed trains or airplanes. None of the others.

There is a difference between bank blacklist and credit blacklist. The former is not allowed to do any loan, credit card business for five years. If it's the latter, take the high-speed rail plane. will be limited.

Once you become a black household, you can't even think about it for the rest of your life.

It is inconvenient to travel in daily life.

If this continues, I estimate that the plane and the high-speed rail will stop soon!

Hello, are you talking about bad credit reporting, black households.

Questions. My husband owes the bank four or five hundred thousand.

For ordinary people, 1, you can't get on the plane. 2. There is no play in the soft sleeper of the train: the judgment defaulter is restricted from purchasing the soft sleeper of the train.

3. You can't apply for a loan.

4. It will affect the children's application for civil service.

5. Limit high consumption.

Therefore, I suggest that it is better not to be a black account and settle the arrears as soon as possible.

Black households do not have ID cards, cannot take trains, cannot open bank cards, will also have a certain impact on credit, children cannot go to public primary schools, lack of social security. "Black households"The term refers to a person who does not have household registration information, does not have a household registration card (permanent resident registration card), and does not have an identity card in the national census. At the time of each census, the census office must issue a circular requiring that "the births who do not conform to the family planning policy who have not declared their household registration must be allowed to be registered, and the registration situation shall not be used as the basis for administrative management and punishment."

However, local governments often do not fulfill this requirement, resulting in many parents not daring to register their children. This means that the total number of de facto black households will be significantly higher than 13 million.

Extended information] Black households refer to people who do not have household registration information, do not have a household registration card (permanent resident registration card), and do not have an ID card in the national census. "Black households"With a total population of about 13 million, accounting for 1% of the total population, it has become a major issue affecting social fairness and harmony. On November 21, 2015, the Minister of Public Security presided over the meeting of the Party Committee of the Ministry of Public Security and the 17th (expanded) meeting of the Leading Group for Comprehensively Deepening Reform of the Ministry of Public Security.

The two main themes of the conference were counter-terrorism efforts and the issue of household registration for the unregistered population in the country. On January 14, 2016, the General Office of *** issued the "Opinions on Solving the Problem of Hukou Registration for Persons Without Hukou" [Guo Ban Fa 2015 No. 96]. The "Opinions" put forward 8 categories such as superbirth"Black households"Permanent residence registration is available.

According to the Sixth Population Census, about 13 million people in China do not have a hukou, which has become commonly known"Black households"。According to Wan Haiyuan, an associate researcher at the National Institute of Macroeconomics, et al. in 2014.

According to a survey conducted in July and August, more than 60 percent of these black households are overborn, and others include those who do not take the initiative to register for household registration, abandon babies, give birth out of wedlock, lose relevant documents, cumbersome household registration procedures, or inaction on the part of grassroots departments. Because they do not have a hukou, most of them do not have social security and lose their normal work, life and education opportunities. And with"Real-name system"With the gradual popularity, their lives are more affected and it becomes difficult to travel.

Black households can go to work, and black households do not affect their wages.

Black accounts only affect the individual's credit and loans, and ordinary wages will not be deducted. Generally, the so-called black accounts refer to the untrustworthy persons of the bank, who cannot apply for loans, cannot apply for credit cards, and so on. The application for a general savings card will not be affected.

However, if you are included in the list of judgment defaulters, and there are still unfulfilled judgments of the Hidden Court, as long as it is found that the card is in your personal name, the court will deduct the remaining salary in addition to the necessary living expenses.

Credit Card Overdue Consequences:

If the degree of overdue reaches a very serious state, then it will constitute a malicious overdraft, and will be convicted of credit card fraud, and the sentencing standard will be implemented according to the amount of our malicious overdraft, which will be sentenced to fixed-term imprisonment of less than 5 years, more than 5 years and not more than 10 years, and more than 10 years of fixed-term imprisonment or life imprisonment, and a fine of not less than 20,000 yuan but not more than 200,000 yuan, and not more than 50,000 yuan but not more than 500,000 yuan.

If the credit card is overdue more than 6 times in two years, then it will not be able to apply for a provident fund loan, and a short period of careless overdue once or twice may have the possibility of saving, but if we have overdue three or six times in two years, then our provident fund loan will not be with us. <>

Because they have no hukou and no social security, they have lost their normal work, life and education opportunities. With the gradual popularization of the "real-name system", life is more affected, and travel has become difficult.

Black households refer to citizens of the People's Republic of China who have not obtained a valid household registration under the household registration system of the People's Republic of China. The lack of household registration has resulted in the loss of citizens' basic rights in education, employment, marriage, etc.

There are generally several reasons for the black households:

Violating family planning laws and regulations, failing to pay social maintenance fees, and being unable to apply for household registration;

No census data were available in previous censuses;

In the process of transferring the hukou, the hukou migration certificate was lost.

Does it affect the children of black parents?

It means that you have won the lottery, and from the time you pay off your credit card, you have become a black account, which proves that you will not be able to apply for credit cards and related bank loans within five years from this moment. If the bank turnover is relatively large, you can try to apply for a credit card that ICBC does not have a limit. Thank you, please adopt.