generally speaking, the term "blacklist" or "bad record" refers to the bank's bad evaluation of personal credit, which will directly affect the personal loan and other businesses to the bank. So do you know what a blacklist is? What are the consequences of being blacklisted?
How can I get on the blacklist?
Generally speaking, the "blacklist" or "bad record" refers to the bank's bad evaluation of personal credit, which directly affects the personal loan to the bank and other businesses. For the repayment status of personal loans in the last 24 months, it will also be listed in the credit report. In case of overdue due to personal non-punctual repayment, the credit report will show the range of overdue days, i.e., 1-30 days overdue, 2-31-60 days overdue, and so on. The organization that invokes personal credit report can easily judge how personal credit status is and how many negative records there are.
The general loan requirement is not allowed to be overdue twice in the past three months, three times in the past six months and four times in a year. If the number of consecutive overdue days is more than 90 days, it is forbidden to enter and basically cannot obtain loans. If any deviation is found in the records, it can directly raise an objection to the credit management department of the central bank and get a written reply within 15 days.
In addition, many people think that the personal credit report is a blacklist, and that the credit report is to record their bad aspects. In fact, there are not only overdue information, but also credit card, loan repayment on time and good credit information in personal credit records. For people with good credit, personal credit report is beneficial to their loan application and other aspects, and can increase their personal reputation. In fact, the credit center of the central bank does not evaluate the personal credit, and there is no good or bad credit. What the credit center of the central bank does is to record rather than judge. At present, the bad record is only the judgment made by banks to prevent credit risk, and the evaluation criteria of individual credit of commercial banks are different.
Consequences of credit blacklist
1. It is impossible to apply for loans in banks, small loan companies and other financial institutions. Not only do you want to start a business with a loan, but also you can't even apply for a house loan or a car loan. In modern society, car and house have become the standard of life. Imagine that if you have a stable job and the ability to repay, but you can't get the housing mortgage loan and automobile loan from the bank because of your bad credit record, the whole person will collapse.
2. No more credit cards. If there is a bad record of personal credit, it is impossible to apply for another credit card because of personal daily consumption. It's the same in every bank, because every bank can find your credit record.
3. Affect personal travel. If the personal credit record is blacklist, for example, there is a malicious default on bank loans, which is sued by the bank. It will result in the borrower's inability to fly, stay in star hotels and so on.