Friends who have handled banking and financial services should have heard of whitelists and blacklists, right? The whitelist refers to users who have never handled financial services and have no credit record in the central bank’s credit reporting system; the blacklist refers to users who have been blacklisted by banks and refused credit because of long-term overdue payments or bad card use behavior. group. In fact, between the white list and the black list, there is also a credit gray list. So, what exactly does graylisting on a credit card mean? How can I get in touch with the Greylist? Let’s find out together below!

In fact, the meaning of credit card gray list is easy to understand. It means that there is no credit stain left in the personal credit report. However, in fact, the cardholder has engaged in some sensitive behaviors and violated the bank's risk control. The system was classified as a risk user by the bank. People on the gray list will be easily rejected when applying for credit card loan business, and they are only one step away from being blacklisted. If you want to know specific information about your personal credit card, you can get a credit report from the official account card Youchali, which includes your credit card risk score, overdue record history, spending power preferences, card merchant analysis, overseas consumption analysis, etc. , cardholders can use this information to determine whether they have entered the credit card gray list.

If you find that you have entered the gray list during the card evaluation, then you need to improve it from the following aspects:

1. Many friends have entered the credit gray list. This is because you frequently applied for many loans and credit cards in a short period of time, resulting in excessive personal credit reporting, which will make the bank question your ability and willingness to repay. Therefore, everyone should stop applying for credit cards and loans in the next 3-6 months, so that after a period of time, the bank's overall score for you will increase.

2. If the cardholder deliberately exaggerates or falsifies information such as address, work name, home phone number, etc. when applying for a credit card, the bank will not only reject your card application after verification, but It will also pull you into the gray list. Therefore, when applying for a credit card, everyone must fill in their personal information in as much detail as possible on the basis of ensuring authenticity.

Finally, if the bank is still unwilling to free you from the gray list, you can also try to call the bank's customer service number with a gentle attitude to see if the matter can be resolved through negotiation. If you want to know more about credit card information, you can pay more attention to Zhongxin Wanka. As the most professional credit card forum, there will definitely be what you want~