There is no way to check whether you are blacklisted by the bank. There is no so-called blacklist in the personal credit report issued by the People's Bank of China.

Personal credit report only objectively collects and displays personal credit information, and does not make any comments on personal information.

The personal credit report objectively shows the repayment record of the loan, and there is no "bad record". If the consumer fails to repay the loan on time, the credit report will only show the overdue records truthfully.

Extended data:

Behavior that is easy to be blacklisted by banks and other lending institutions:

1. Personal bank mortgage in loans overdue for 2-3 months may be blacklisted;

2. Using a credit card, three or six consecutive overdue repayments may be blacklisted;

3. Personal credit card overdraft consumption and overdue installment repayment may be blacklisted;

4. If the interest rate of commercial loans is raised, but the monthly payment is still paid according to the original amount, the overdue interest may be blacklisted;

5. The act of cashing out credit cards may be blacklisted;

6. Family payments, such as water, electricity and gas, which are overdue for a long time may be blacklisted;

7. Personal car loans overdue for 2-3 months may be blacklisted;

References:

Credit Information Center of China People's Bank-Frequently Asked Questions