Users blacklisted by banks will have problems such as unable to withdraw money, unable to pay by installment, and unable to pay by credit card. As long as the users on the gray list can't use credit cards to spend. The grey list is specially prepared by banks for users who are at risk of queuing, so what is the reason for getting on the grey list? What is the reason for being on the credit card gray list? Credit card users' habitual overdue, multi-platform borrowing, cash-out behavior and frequent credit inquiry are all reasons why black banks are pulled into the gray list. Among them, users whose credit information has been inquired by banks many times are particularly easy to be pulled into the grey list. Users who are urged by the bank to repay their loans are the same as those who fail to repay their loans on time many times. Banks will think that these users who fail to repay on time are high-risk users, and it is normal to be included in the gray list. Cardholders often borrow from multiple sources, and their accumulated credit lines are too high, which will also be pulled into the gray list by banks. In addition, users who submit false information to the bank to apply for loans will be considered to have a high loan risk factor and will be temporarily listed on the gray list. Users who often use cards illegally will also be drawn into the grey list. For example, they often swipe their cards on the same machine and often go in and out with great fanfare.