What is the impact of black accounts?

The main impacts of black accounts are:

1. Unable to apply for loans, including housing loans and car loans, from banks, small loan companies and other financial institutions.

2. You can no longer apply for credit cards from any bank.

3. Affect personal travel, such as taking a plane or staying in a star-rated hotel.

: 1. Black accounts with bad credit refer to personal accounts with poor personal credit, multiple overdue repayments in the bank’s credit reporting system, and being blacklisted by the bank. The following are several common possibilities:

1. Multiple overdue payments will lead to a black account in the bank, such as applying for a loan or using a bank credit card, and having multiple overdue repayments.

2. Overdue once but for too long. Under normal circumstances, if a loan is overdue for more than 90 days, it will be blacklisted by the bank, which will affect subsequent loan processing.

3. The overdue amount involves a large amount and the limit is very high. In this case, if the borrower fails to repay the loan in time, it is easy to become a "black account".

2. The blacklist only affects the person and his/her spouse, and has no effect on other people. The "Credit Information Management Regulations" stipulate that the period for displaying bad credit records is five years. That is, banks are not allowed to use credit information from five years ago. Therefore, friends who are on the blacklist need to spend a few years patiently building up their credit. Actions taken against persons subject to breach of trust include: being unable to apply for a credit card. Cannot apply for a loan. Restrict online shopping of luxury goods. Limit transportation. Restrict the purchase of vehicles that are not necessary for business operations. Restrict children from attending high-fee private schools. Limit paying high premiums to purchase insurance financial products. Restrictions on renting high-end office buildings, hotels, apartments and other places for working. High consumption is restricted in hotels, hotels, nightclubs, golf courses and other places with star ratings or above.

3. Black households will have a certain impact on children. In particular, minor children need to be raised by their parents, so if their parents are on the blacklist, it will naturally have more or less indirect effects on their children, such as restricting their children from attending high-fee private schools; not being able to fly, which means they cannot take their children there. Traveling further afield or abroad; you cannot buy some insurance products for your children, etc.