How long it is overdue will be on the credit blacklist, depending on the specific overdue situation and the borrower's credit history. Generally speaking, if the overdue time exceeds 90 days, or the cumulative number of overdue times in the past two years exceeds six, or three consecutive overdue times, the borrower's credit history may be included in the credit blacklist.
For credit card overdue, if the overdue non-repayment exceeds 90 days, the cardholder will be included in the bank's blacklist, and at the same time, the credit card overdue dishonesty record will also be entered into the credit report, and the new credit record can only be used to cover the old credit after uploading the credit report. For bank loans that are overdue, 1 to 2 times will generally not be blacklisted by the bank, but there will be an overdue record on the credit report, and if the borrower is overdue for three consecutive times or six times in total, the borrower will still be included in the bank blacklist.
It is important to note that different financial institutions and banks may have different tolerances for the duration and number of overdue delays. Some agencies may be lenient with shorter or fewer overdues, while others may take strict measures against any overdue or dishonest behavior. Therefore, the specific situation needs to be judged in combination with the specific borrower and financial institution.
In addition, even if a borrower's credit history is blacklisted, it does not mean that the borrower cannot recover their credit history. If the borrower is able to take proactive steps, such as negotiating repayment with the financial institution, repaying debts, etc., their credit history may be restored after a period of time.
In conclusion, how long overdue will be on the credit blacklist depends on the specific situation and the borrower's credit history. Borrowers should remain honest and trustworthy and abide by the loan agreement and repayment plan to avoid overdue or dishonest behavior. At the same time, financial institutions and banks should also judge whether to adopt lenient or strict measures based on the specific circumstances and the borrower's credit history.
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