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问题
被一个银行拉黑,其他银行有影响嘛?
释义
律师解答:
如果纳入银行黑名单,被记录到个人征信报告中,视为不良记录,以后银行贷款将变得非常困难,5年内很难再申请信用卡及银行贷款。而且银行贷款逾期会产生罚息,根据银行贷款利息的130%收取。
【法律依据】:
《征信业管理条例》十六条 对不良信用记录的展示期限有个规定是五年时间。即银行不得采用五年前的信用信息。
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