The Agricultural Bank of China’s gray list refers to Agricultural Bank of China’s measures to help customers properly handle credit card borrowings. If a customer fails to repay the loan overdue, the bank will add the customer to the gray list. This list is not a blacklist, but customers who are included in the gray list twice will be blacklisted. Under the gray list, the customer's credit rating and credit history will be greatly reduced, resulting in restrictions on the use of credit cards.

Customers being included in Agricultural Bank of China's gray list will affect their credit ratings and credit reports, which may cause a lot of trouble to customers. For example, when a customer urgently needs a loan to purchase a house, car, etc., the bank will most likely refuse the loan or add additional mortgage and interest rates because the customer is included in the gray list. At the same time, the use of credit card borrowing will also be restricted due to being included in the gray list, and customers will not be able to enjoy the benefits and privileges of the credit card.

To avoid being included in ABC’s gray list, customers should fully plan their borrowing plans and credit card repayments. Before borrowing money, you should understand your debt situation in detail to avoid bad credit records such as excessive debt and late repayments. Additionally, you can strengthen your credit history by improving your credit rating. Customers can improve their credit rating and avoid being included in the gray list by repaying on time, repaying in advance, and taking reasonable consumer loans.