With the development of society, personal credit records will become more and more important. Cardholders need to be more cautious when using cards. Never exceed the time limit. Once overdue, personal credit may be damaged. How to eliminate the blacklist of credit cards?
If a negative record is caused by carelessness, do not cancel the card immediately, because after the card is cancelled, there will be no new credit records in the credit reference system, and the previous bad records will always exist because they have not been replaced by new records. We should continue to use it for 24 months after paying off the debts, and then do other treatment after the previous negative records are covered with good records. At present, many people think that as long as the credit card with bad credit history is paid off, and then the card is cancelled, the bad credit record can be eliminated, which is not correct.
Generally speaking, the non bad overdue behavior will be retained for five years in the credit reference system of the people's Bank of China, and will be retained for ten years for those with special malicious default such as bankruptcy. However, you should not think that you will be OK after five years. If you are judged to be a bad behavior and there is relevant evidence to prove that you have failed to pay home for many times, malicious fraud, etc., the bank may postpone it to 10 years or even permanently.
Tips: how to eliminate the blacklist of credit cards? Generally speaking, the retention time of non bad overdue behavior is 5 years, and the malicious overdue time is 10 years. If you cause negative records due to carelessness, you should continue to use the card for 24 months after paying off the debts, so as to cover the previous negative records.