1. Good-faith arrears: For example, if you accidentally forget to pay the annual fee for a loan or credit card or it is overdue for a few days, it is a good-faith arrears. In the former case, there is only enough evidence to raise an objection to the central bank. In the latter case, Users can discuss and pay the arrears directly with the bank, and they can be cleared after negotiation;

2. Malicious arrears: If the arrears are subjective and intentional, or enforced multiple times, this situation cannot be lifted within at least 5 years. If If you default on settlement, your bad credit record will be automatically eliminated after 5 or 7 years.

The above is the relevant content on how to remove being blacklisted by the bank.

Why is it on the bank’s blacklist?

Users on the bank's blacklist usually overdue their bank credit cards. If the debt is due in good faith, the bank can help the user eliminate it after verification. If the debt is due maliciously, it will be more troublesome. Even if the debt is paid off later, records will be kept for 5-7 years. If the user does not repay the debt, there will always be a record. This article mainly writes about relevant knowledge points on how to remove a bank from being blacklisted. It is for reference only.