(1) What are the reasons for the formation of credit black households?
1, many overdue accounts will form a bank black account. Individuals who have loan business with banks, such as handling loans or using bank credit cards, will become black accounts of banks if they pay back overdue for many times.
2. It is long overdue. Under normal circumstances, once overdue for more than 90 days, it will be listed as a black account by the bank, and it will be more difficult to apply for a loan for the second time.
3, that is, overdue involves a large amount, and the amount is very high. In this case, if the borrower fails to repay the loan in time, it is easy to be blacklisted by the bank.
(2) Is there any way for black credit households to wash away their debts?
In fact, the "black households" we are talking about now refer to those who have bad records in their credit reports. If you want to repair the credit report, there is actually no way. The most fundamental solution is to repay in full and on time in the future.
1. If you leave a credit stain in the process of using a credit card or repaying a loan,
What you have to do is to pay off the debt. For users who use credit cards, they must not cancel their cards after paying off the money. Instead, it is necessary to continue to use the card for 24 months, maintain a good habit of using the card, repay the loan on time, and cover up your previous bad credit record with a good record, so that it will be relatively easy to apply for a card in the future.
2. If your credit card or loans overdue is due to carelessness, it is not a malicious breach of contract.
Then you can take the initiative to contact the bank and ask it to help you open a non-malicious debt certificate. Generally speaking, banks will not easily issue non-malicious debt certificates. At this time, you should not give up easily. When communicating with the staff, try to say more soft words and good words, and prove that you are not maliciously owed by objective reasons. If you can't do it today, come back tomorrow. In short, try a few more times, and you will meet more accommodating customer service. In short, trying is better than not trying!
Even if it is blacklisted by the bank, it does not mean that there will never be a bright future.
The Regulations on Credit Management stipulates that the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. In other words, you still owe money. After five years, your bad credit record will be deleted, and then you can have a brand-new credit report. Therefore, credit "black households" are not completely helpless to wash their debts.
In short, in order to avoid personal credit stain, we should emphasize again: in this credit-oriented society, we must develop good repayment habits, repay on time, live within our means, make plans and guarantee carefully. Only in this way can you really stay away from the "blacklist" of bank credit!