Generally speaking, the blacklist of credit information will have these restrictions, such as: no more credit cards, restrictions on applying for loans, restrictions on children attending high-priced private schools, restrictions on flying by plane and soft sleeper trains, and restrictions on second-class or above shipping space. Therefore,

In daily life, everyone must protect their credit information to avoid affecting their lives. As for how long it will take to eliminate the blacklist of credit information, in fact, the blacklist of credit information will be retained for 5 years from the date or time when the bad behavior is terminated, and will be deleted after more than 5 years.

However, if you want the blacklist to disappear as soon as possible, don't cancel the card immediately after paying off the loan. You'd better continue to use your card and repay it on time, so that you can accumulate new performance records, which I hope will help you.