Credit blacklist is actually an irregular term, which usually refers to the words used by external media or cardholders to describe 'an individual's credit card or loan has a record of overdue repayment'. So can I still take a train or a plane on the blacklist of credit investigation? What will be the impact on travel?
What are the consequences of being blacklisted?
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.
Query method of credit blacklist
To query the list of dishonest persons to be enforced, you can log on to the website of the Supreme People's court, click "publication and query of the list of dishonest persons to be enforced by the national court", and then you can query the list of dishonest persons to be enforced entered by the National People's courts at all levels.
Query the blacklist of the personal credit report of the central bank, log in the "Internet personal credit information service platform" on the homepage of the official website of the credit investigation center of the people's Bank of China, or pay attention to the wechat "koala credit manager", reply to the "credit investigation" or download the "koala credit investigation app" query.
How to clean up the bad credit?
If it's due to overdue: if there is overdue within two months, the second refusal caused by this means that your overdue is not generally serious. This reason can be found out by yourself. It's suggested to make good use of that card, pay back five or six days in advance after consumption, so that the bank has a sense of security, which is about three months;
If the debt is too high: the total amount of credit card credit is too high due to the loan, the bank will doubt your repayment ability. It is suggested to prepay the money of the bank card before applying for the credit card. The debt will be less.
If it's because of too many credit investigation times: This is also hard injury... Those who have been rejected and applied by seconds can check your perfect credit report and a series of queried records. In this case, it's better to slow down your credit report and have a period of time... Generally, half a year is better.