What happens if a player tries to breach self exclusion depends on the scheme, but operators are expected to close any account they find, refuse deposits and return or withhold stakes placed during the ban. Winnings from a breach are commonly voided. Self exclusion does not affect a credit rating, since gambling records are not shared with credit agencies, although spending patterns on a bank account can still be seen by a lender reviewing statements.
Self exclusion lasts as long as the period chosen at the start, commonly six months, one year or five years, and some schemes offer a lifetime option. It is not permanent unless that option is picked, but no one can cancel it early: a temporary self exclusion runs its full course by design. Once the period has expired, access does not return by itself on most schemes; the player has to ask for it, often after a cooling off spell.
To self exclude from gambling, a player fills in a self exclusion form with the operator or, where one exists, a national scheme that covers every licensed site at once. A single online self exclusion usually covers only that operator and its sister brands, so excluding from all gambling sites needs the national scheme or a separate request to each. Whether self exclusion includes online gambling, venues or both depends on the scheme, and its terms spell it out.