ICBC 942 is the code for the ICBC gray list. The ICBC gray list is similar to the blacklist mechanism. ICBC 942 is the most common reason why users are rejected when applying for a credit card. Encountering ICBC 942 means that the user is on the ICBC gray list. Once the user is on the ICBC gray list, they will not be able to apply for a credit card for at least half a year. Even if they apply, they will still appear. In the case of instant rejection, even if the applicant already holds an ICBC credit card, the opportunity to increase the limit will be lost.

Reasons for ICBC’s 942 gray list

1. The user’s credit score with ICBC is less than 700 points. The credit score of ICBC is comprehensively scored by the internal credit rating system and cannot be manually intervened. If a user frequently applies for multiple bank credit cards or loans overdue in a short period of time and is inquired by multiple small loans or financial institutions, it will lead to poor credit investigation. If this happens, they will be included in the gray list of the Industrial and Commercial Bank of China;

2. Human intervention will put users on the ICBC 942 gray list, mainly because users apply for credit cards too frequently, and information fraud will Was included in the gray list by the card department of the local branch.