How long the credit is overdue will be listed as a black account

If it is overdue for more than 90 days, it is a credit investigation black account, and overdue will incur additional costs such as liquidated damages and overdue interest. Penalty interest and liquidated damages. If you don't repay the loan, then the first thing you will encounter is the statutory interest and liquidated damages, if you don't want to get into the loan quagmire, it is best to develop good repayment habits.

Generally, banks have a fixed standard, as long as they are overdue for more than 90 days, they are generally black accounts, which is the standard of most banks. Many people talk about black change, because as long as they enter the bank's blacklist, it means that they will no longer want to enjoy the bank's welfare activities in the future. Overdue for more than 90 days is considered a serious overdue.

Under normal circumstances, if the personal credit card bill is overdue, the bank will collect the debtor in accordance with the relevant regulations in the first 3 months. If the collection is successful within these three months. Then the bank will not take the next step of collection.

If within three months, the bank fails to collect the credit card, then according to the law, if the collection of the credit card is overdue for 3 months, the bank can go through legal proceedings. However, whether the bank will immediately go to legal proceedings after three months is different for each bank. But once the legal process is initiated, the personal credit report will definitely be recorded.

This goes directly to the blacklist, that is, the black household.

Civil Code of the People's Republic of China

Article 675:The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return the loan at any time, and the borrower may urge the borrower to return the loan within a reasonable period of time.

Article 676: Where a borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the State.

If your credit card is overdue for more than 3 months, you will be blacklisted. If you enter the blacklist, it will be difficult to get a loan from a bank in the future; Until the arrears are not paid off, the personal credit record will always be a credit report, and no bank or financial institution will lend money. If you can't repay the loan in time due to financial reasons, you can try to find other ways, and here is a summary of a set of "how to avoid overdue" strategies.

Under normal circumstances, if a personal credit card bill is overdue for more than 3 months, it will be blacklisted. The bank will collect the debtor in accordance with the relevant regulations in the first 3 months, and if the collection has been successful within 3 months, then the bank will not collect again and will not be blacklisted. However, if the bank fails to collect within 3 months, then according to the law, if the credit card is overdue for 3 months and fails, the bank can go through legal proceedings.

Therefore, you must pay attention to the status of your credit card at all times and contact the relevant departments in time.

A credit card overdue is when the cardholder fails to repay the borrowed loan used within the repayment date set by the bank.

Banks charge interest on late payments, which is calculated from the date on which the purchase was made, not on a date after the last date of repayment.

There are 90 days, 5 years, and 10 years for credit card overdue accounts

1.If the user's credit card is overdue and paid off within 90 days, he can apply to the bank to unfreeze the credit card, and then he can use it, and the time of the credit card black account will naturally be within 90 days.

2.If the user's credit card is overdue and not paid off within 90 days, it will be recorded and it will take 5 years to completely eliminate it.

3.Some serious credit card overdue behaviors will even lead to an extension of the time to 10 years before they can be cleared, and will produce a bad credit record to be recorded in personal credit information, and cannot apply for credit cards from other banks.

A black credit card can be recovered.

Credit card hacks are generally caused by overdue accounts and are added to the blacklist by banks. If you want to get rid of the black account, you need to pay off all the remaining arrears, prove your willingness and ability to repay to the bank, and generate a new good credit history. On the premise that all arrears are paid off, the cardholder will not be credited for 5 years, and the system will automatically eliminate the relevant information of the black account after 5 years.

Legal basis

Article 1 of the Several Provisions of the Supreme People's Court on the Publication of Information on the List of Judgment Defaulters.

In any of the following circumstances, the people's court shall enter them into the list of judgment defaulters and give them credit punishments in accordance with law:

1) Refusal to perform obligations set forth in effective legal documents despite having the ability to perform;

2) Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats;

3) Evading enforcement by means such as sham litigation or arbitration, or concealment or transfer of assets;

4) Violating the property reporting system;

5) Violating an order restricting spending;

6) Refusal to perform on the enforcement of a settlement agreement without a legitimate reason.

Legal analysis: overdue indicates that there is a bad record in the credit information center of the People's Bank of China; Customers who have been overdue for 3 consecutive periods or the total number of overdue times is greater than or equal to 8 times are classified as prohibited customers (blacklisted). If the credit card is overdue and becomes a black account, if the principal amount owed exceeds 10,000 yuan, it is suspected of a crime.

Where a cardholder, for the purpose of illegal possession, exceeds the prescribed limit or overdrafts within the prescribed period, and fails to return it for more than 3 months after being collected twice by the card-issuing bank, it shall be found to be a "malicious overdraft" in the crime of credit card fraud.

Legal basis: Article 100 of the Criminal Law and Article 96 of the Criminal Law for the crime of credit card fraud.

In any of the following circumstances, credit card fraud is carried out, and the amount is relatively large, a sentence of up to five years imprisonment or short-term detention is to be given, and a concurrent fine of between 20,000 and 200,000 RMB is to be given; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment is to be given, and a fine of between 50,000 and 500,000 RMB is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property is to be given

1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

2) Using invalid credit cards;

3) Fraudulently using another person's credit card;

4) Malicious overdraft.

Most people think that as long as the credit card is overdue, it is already a black account, but this is not the case, it depends on the number of overdue times and the time of overdue. Anyone who knows how to read the credit report knows that in the credit card repayment record, the overdue is divided into several levels, mark 1 means overdue 1 30 days, mark 2 means overdue 31 60 days, mark 3 means 61 90 days overdue, mark 4 means 91 120 days overdue, and so on, the highest can be marked to 7. Generally speaking, one or two overdues, and the number of overdue days is less than 90 days, which is a general overdue and will not become a black account, but if there are too many consecutive overdues, and the overdue time is more than 90 days, it is seriously overdue, which is a credit black account.

1. What to do if you become a black household;

If you want to get rid of the blacklist, the most important thing is to pay off the arrears as soon as possible, including all the interest and late fees, if you really don't have the money to pay off for a while, you must take the initiative to call the bank, explain your situation, and then make the corresponding partial repayment every month, reflecting the positive attitude of repayment, so that you will not be sued by the bank.

After the deadline, you must not cancel the card after paying off the arrears, but continue to use it for 24 months, maintain good card habits, repay on time, and use a good record to cover the previous bad credit history.

The repayment is not considered overdue within the deferred repayment, and the general bank is three days, but there are two special banks, one is that the Industrial and Commercial Bank of China has not deferred the repayment, and must be returned before 24 o'clock on the repayment date.

According to the minimum repayment repayment, the repayment of the minimum repayment is not overdue, the so-called minimum repayment is that you are unable to repay the full amount, deposit the minimum repayment, the bank regards you as no default, does not affect the credit, but must pay a certain amount of interest, this interest is calculated according to the total amount of arrears of 5/10,000 daily interest, or very high, so do not make the minimum repayment until the last resort.

The temporary amount and cash withdrawal must be repaid in full on time, the temporary amount and cash withdrawal cannot be paid in installments, nor can the minimum repayment, if any, the full amount must be repaid to avoid underpayment.

If it is a manual inquiry, the personal credit can only show the record within 5 years, and at present, many banking systems automatically run the data when generally only check the records within two years, if a customer has a credit card repayment record within two years is very timely, but when all the records are finally checked, it is found that there is a serious overdue and will be rejected in the end, in short, the system query is within two years, and the manual approval will be checked for five years.

Credit card overdue to the following levels is considered a black account:

1. The credit card has been overdue for 3 consecutive times or 6 times in total;

2. The credit card is overdue for 3 consecutive times or has not been repaid for more than 90 days.

In addition, if you become a black account after the deadline, and the overdue amount exceeds 10,000 yuan, the bank has the right to report the case, and you may be criminally liable.

Overdue credit cards will also affect the user's online black index score, if the online black index score is too low. The score standard of the Internet Black Index is 0-100 points, the higher the score, the better the credit, and when the score is lower than 40 points, it belongs to the online loan blacklist. A low score on the Internet Black Index will not only affect the success rate of online loans, but also affect the user's Huabei and borrowing quotas, and even cause Huabei and borrowing to be closed.

The impact of the online loan blacklist on individuals is that they are applying for new loans, and it is difficult to approve them again. Although online loans are very convenient now, you must consume rationally, pay attention to repayment on time, and maintain your credit history. When applying for an online loan for a long time, you must pay attention to your online loan big data to prevent it from becoming an online loan blacklist due to blind application.

Just search: Blue Ice Data. Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.