What will happen to the credit card blacklist of CITIC Bank?
Because the credit data is networked nationwide, it is difficult for any bank to conduct credit transactions, including loans and credit cards, after entering the credit card blacklist. After entering the credit card blacklist, some high-consumption behaviors will be banned, including soft sleepers on planes and trains.
The blacklist of credit cards will have an impact on the work of cardholders, and they may not serve as legal representatives, directors, supervisors and other positions of credit card companies after entering the blacklist.
How to Eliminate Credit Card Blacklist of CITIC Bank
The credit card blacklist data stored in the credit database of China People's Bank cannot be cleared by individuals.
Credit card holders should repay as soon as possible after being blacklisted, and then continue to use their credit cards without cancellation. Bad records will remain bad after write-off. If the customer continues to use it normally for more than two years, there will be no bad records when handling the loan, which will not affect the bank loan.
If the credit card has been cancelled, the cardholder can only wait for the blacklist record to be automatically deleted. Blacklists in the credit database of the People's Bank of China are generally kept for 5 years. If the retention period exceeds, the negative record will be deleted in the personal credit report. In order to eliminate this problem, banks will automatically cancel the blacklist after five years.
In short, it is very difficult to enter the credit card blacklist of CITIC Bank and apply for new credit business, which will affect life and work.