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 take a look at what ICBC 942 means.

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.

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.