It is difficult to apply for an ICBC credit card, and the reasons given after being rejected are not clear. We just say "the comprehensive score is insufficient" to dismiss people. However, we can understand the reasons for rejection by looking at the rejection code. . Among the many rejected codes, the code 942 appears most frequently. Let’s learn together what does ICBC 942 mean? How long does it take for 942 to be lifted?

1. Introduction to the meaning of ICBC 942

It is understood that ICBC 942 is one of the most common reasons for credit card rejection. The meaning of this code is that you have entered the ICBC gray list, similar to Blacklist mechanism.

Once you are on this gray list, you will not be able to apply for a card in the short term. Even if you apply, the system will immediately reject you without even looking at it, and card users who have a credit limit will also be rejected instantly.

2. Analysis of the reasons for ICBC 942

There are two types of ICBC 942 gray list:

One is that the internal credit rating system score of ICBC is lower than 700. The main reason is that there are flaws in the personal credit report, such as being overdue, applying for cards from various banks multiple times in a short period of time, or having the credit report messed up by other banks’ post-loan management, etc. In this case, you have to work hard from multiple aspects to come up with a gray list. Improve overall rating. → What should I do if my credit card installment score is insufficient? Maybe the problem lies here!

There is also a human intervention system, which is the gray list of the card department of the local branch. Mainly because you apply too frequently or fill in the credit card information incorrectly (filling in false information), you will be locked up directly. In the gray list, if the circumstances of the gray list are relatively minor, it will be automatically lifted after 3 to 4 months. Otherwise, you need to find the local card department staff to help you unlock it, which is more troublesome.

To sum up, ICBC 942 means that you have been shut down from the ICBC gray list system, which will affect card application and credit limit withdrawal. To come up with a gray list, you need to understand the specific reasons and then prescribe the right medicine. However, according to most netizens, ICBC 942 is easy to get in and difficult to get out, so everyone must be prepared for a protracted battle.

Under what circumstances will ICBC enter 942? These reasons are the most common

Many cardholders are often rejected instantly when applying for ICBC credit cards, or their credit card limit increases are rejected instantly. After calling customer service to inquire about the reasons, they found out that they were on the ICBC 492 gray list. System, if you don’t find a way out, it’s basically hopeless to apply for a card or raise your credit limit. There are many reasons why ICBC will enter 942. Let’s take a look at the circumstances under which ICBC will enter 942.

There are two types of ICBC 492 gray list, one is ICBC’s internal credit rating system with a score lower than 700, and the other is the local branch card department gray list. The situation of different gray lists is different:

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1. ICBC’s internal credit rating system score is lower than 700:

This is mainly caused by flaws in personal credit reporting. Common reasons include the following:

< p> 1) Overdue credit card: This is very simple. Overdue credit card will affect the credit report and will naturally lower the overall score. However, this kind of overdue refers to a slight overdue, the overdue time is not long, the number of times is relatively small, and it will happen immediately after the overdue date. Just repay the loan;

2) The credit investigation is too expensive: one is because there are too many credit inquiries due to multiple applications for credit cards from various banks in a short period of time; the other is applying for limit increases, etc., which makes the bank frequently manage the loans. . All these will make the credit investigation too expensive, and it will be easy to enter the 492 gray list even if you apply for a credit card or raise your credit limit.

2. Gray list of local branch card department:

This is also called human intervention system, which is mainly caused by two reasons:

1) Application If you have too many ICBC cards: For example, if you apply for multiple ICBC credit cards in a row, or if you apply for ICBC cards too frequently in a short period of time, you will be put on the gray list by the card department of the local branch.

2) Submit false information: If you write all the application information randomly, even the simplest basic information is wrong, or you simply fill in false information, etc., if found by the branch, you will be directly placed in 492.

How long will it take for ICBC’s 942 to be lifted? Some people actually spent 5 years

Recently, many people have applied for ICBC credit cards and been rejected immediately. Some even applied after a gap of 3 months with the same result. When this happens, 10 times Eighty-nine years ago, I entered the ICBC gray list system, which is often called ICBC 942. If I don’t lift the gray list, I may never be able to apply for an ICBC card.

So, how long will it take for ICBC’s 942 to be lifted?

Applying for an ICBC card too frequently, having a defective personal credit report, or providing false information to apply for a card will lead to 942. And we need to find relief methods based on different reasons, and naturally the time it takes will be different.

If it is because the ICBC internal credit rating system score is too low, then you have to find ways to improve the overall score, which will take at least 3 months; and if it is because of the gray list of ICBC branches, or 3 -It will be automatically unlocked after 24 months, or you can go to the card department of the local first-level branch to manually unlock it.

The following is the release time experienced by many netizens:

Cardholder A: The card can be released, but I just don’t want to. I entered the 942 in June, but the card department was unwilling to help me cancel it, and asked me to wait until September to automatically issue the 942.

Card Friend B: At least 3 months! It’s very long! If you have connections, you can go to the card department to see if others can cancel it for you!

Card friend C: Mine is permanent and has no end date. I originally thought that the longest time would be 2 years, so I waited for 5 years before it came out. It was not until the card department intervened manually that it came out.

In addition, I heard that the industrial star level is also helpful to eliminate 942. Although some 7-star cardholders encountered 942, they successfully solved the problem after calling customer service, so everyone is interested in Industrial planetary systems must maintain a certain level of attention.

The above is the entire content introduced by Jintou Credit Card to you about "What does ICBC 942 mean? How long does it take to cancel 942?" For more knowledge about credit cards, please pay attention to Jintou Credit Card.