How long will it be blacklisted, and how many times will it be blacklisted?

If the credit card is overdue, it will generally be blacklisted by the bank if it is overdue for more than 90 days. If the bank loan is overdue, one or two overdue will not be on the bank's blacklist, but it will be on the credit report, and if the number of overdue times is relatively large, the borrower will be on the bank's blacklist.

If the borrower fails to repay the loan within the agreed period, the lending institution will punish the borrower and incur penalty interest. The longer the overdue time, the more penalty interest will be rated.

As long as there is a history of overdue loans, they will be marked by the lending institution, and when they borrow again, they will not be able to enjoy preferential loan products with low interest rates because of bad credit.

When the borrower is blacklisted because he has become a "cheater" because he is seriously overdue, he will be released with his ID number and overdue information on **, or he will be informed of his work unit; Restricted from taking airplanes, high-speed trains and other high consumption; The vehicle in the borrower's name is restricted from going on the highway, etc.

If you are overdue for 1 time, you will be on the credit report, but banks and other financial institutions will choose whether to be included in the loan ban list according to your overdue mark. Here's an explanation of the relevant symbols on your credit report and how to prevent it from being overdue.

" indicates that no account has been opened.

* indicates that there is no repayment history in this month, the data with a repayment cycle greater than one month is marked with this symbol, the repayment frequency is irregular, and the data with no repayment behavior in the current month is indicated by "*"; If you do not need to repay the account in the month of account opening, this symbol is also used.

n" (indicates that the borrower has repaid the monthly payment in full and on time).

1" means 1-30 days overdue.

2" means 31-60 days overdue.

3" means 61-90 days overdue.

4" means 91-120 days overdue.

5" means 121-150 days overdue.

6" means 151-180 days overdue.

7" means more than 180 days overdue.

d. "Repayment by guarantor" (means that the borrower's loan has been repaid by the guarantor, including the guarantor's repayment on time and part of the loan repayment by the guarantor).

z" (means that the borrower's loan has been repaid by way of debt repayment, which only refers to the part of the debt by debt).

c" settlement (the borrower's loan is fully repaid, and the loan balance is 0, including normal settlement, early settlement, debt settlement, guarantor repayment and settlement, etc.).

g" (any other form of account termination except settlement).

1.Look carefully at the contract.

When we sign the contract, we must read the contract carefully, and the first thing to see clearly is the repayment date, and we know it in our hearts to effectively avoid overdue.

2.Bind a commonly used bank card and enable automatic repayment.

Most people forget to repay rather than have the ability to repay, so they can choose to link their bank card and let the system automatically deduct the payment. Sometimes there is a delay in repayment through a third-party platform, and many platforms cannot arrive in real time, and it generally takes a few minutes or even hours to arrive, so try to avoid repaying on the day of repayment, and should repay at least one day in advance (you must have enough funds before the repayment date).

3.Installment repayment, bill installment.

If the cardholder is unable to repay the loan in time due to a shortage of funds, he or she should make an installment of the current bill before the repayment date, because most banks cannot make installments on the repayment date. Although there is a handling fee charged for installment, it is much better than overdue, and after the overdue, there will not only be a bad record, but also penalty interest.

If you are overdue three or more times in a row, you will definitely be blacklisted

In fact, there is no definite answer to how long it will be blacklisted, because each bank has different penalties for borrowers who are overdue, some banks may be blacklisted if the borrower is overdue once, and some banks are not so strict, and the borrower will not be blacklisted immediately after overdue.

However, it should be noted that no matter which bank it is, if the borrower is overdue for more than 3 consecutive months, it will definitely be blacklisted by the bank.

Since there is no blacklist on the credit report, it will only objectively record your credit situation. Therefore, if you are blacklisted by the bank, you can't find it on the credit report, but if you can't find it, it doesn't mean that there is no impact, once you get into the bank's blacklist, then it is basically impossible to apply for a credit card or loan again.

For overdue records, you can choose to memorize it for 5 years, or you can choose to memorize it for a lifetime!

First of all, you need to be clear that if your loan or credit card is overdue, unless it is overdue due to the bank, there is no way to eliminate it, and even if you explain it to the bank, the bank will not eliminate the overdue record for you.

It should be noted that not all overdue records will be automatically erased after 5 years, and according to the national "Regulations on the Administration of the Credit Reporting Industry", the retention period for credit reporting establishments of negative personal information is 5 years from the date of termination of the negative conduct or incident, and if it exceeds 5 years, it shall be deleted.

In other words, you can choose to memorize the overdue record for 5 years, or you can choose to memorize it for a lifetime! If you can pay off the arrears in time after the due date, then the overdue record will be automatically eliminated after 5 years from the date of repayment of the arrears; If you keep overdue for repayment, then the overdue record will not be erased, and will always be retained on the personal credit report.

In two natural years, if the user is overdue for more than 3 months 1 time, the number of overdue times has accumulated 8 times (continuous overdue or intermittent overdue), and 2 times overdue for 2-3 months, then it will be included in the credit blacklist. The credit blacklist has a greater impact on the application for credit business, after entering the blacklist, you will not be able to apply for housing loans, car loans, credit cards and other businesses, and you must wait until you are removed from the blacklist before you can apply for credit business normally The overdue time is very long, and there will be high overdue interest. If the overdue amount exceeds a certain amount and time, the bank will freeze the credit card.

1. Several times the credit investigation is overdue, it is considered a black accountUsually more than three overdue times have a bad credit history.

1. The late payment fee is calculated at 5% of the unpaid part of the minimum repayment, and the minimum charge is 10 yuan or 1 US dollar.

2. At the same time, the bank will also charge 5/10,000 of the daily interest on the entire bill.

2. What is the impact of overdue?1. If it is overdue within one month, it will be considered overdue once, as long as it is overdue, it is more difficult to increase the quota;

2. If you are overdue for 3 consecutive times or 6 times in total, you will have a bad credit record, and it will be difficult to get a loan or a credit card in the future;

3. If the overdue amount exceeds a certain amount and time, the bank will freeze the credit card.

Hello, may I ask if my online payment of 2000 yuan is overdue for more than a month, they want me to pay back 2900 and sue me, I am the one who does not pay back.

It will be blacklisted for 3 months, but if the amount is relatively large, overdue for more than one month will also have an impact on applying for a loan or credit card in the future.

It depends on what kind of loan you have, whether it's online or offline, whether it's a bank or a platform.

Under normal circumstances, if the borrower has overdue more than six times in the past two years, or has been overdue for more than 90 consecutive days, the borrower will be rejected by the bank and directly entered the "blacklist" of the central bank's credit information system. However, if the borrower is overdue for two days and repays the loan in time afterwards, the bank will not immediately transmit the overdue situation to the credit information system, and the system will automatically submit the personal credit report if the loan is overdue for two months and the credit card is overdue for more than three months.

[Legal basis].

Article 92 of the Measures for the Supervision and Administration of Commercial Banks' Credit Card Business.

Commercial banks shall implement classified management of credit card risk assets, and the classification standards are as follows:

1) Normal: The cardholder can repay the amount payable in full before the due date (inclusive) in accordance with the pre-agreed repayment rules.

2) Concern: The cardholder fails to repay the amount payable in full on the due date in accordance with the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).

3) Subordinate: The cardholder fails to repay the amount payable in full on the due date in accordance with the pre-agreed repayment rules, and the overdue days are 91-120 days (inclusive).

4) Suspicious: The cardholder fails to repay the amount payable in full on the due date in accordance with the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).

5) Loss: The cardholder fails to repay the amount payable in full on the due date in accordance with the pre-agreed repayment rules, and the number of overdue days exceeds 180 days.