Be included in the grey list for the following reasons:

1. Apply for loans from multiple institutions at the same time.

Some people feel that the money is not enough, so they apply for loans everywhere and submit their applications on another platform every few days. As we all know, if you apply for loans too frequently in a short period of time, lending institutions will frequently check your credit report.

Then the credit will be "spent". If you apply for a loan again, the lending institution will think it is short of money and the risk of overdue is high. It will be directly pulled into the gray list and will not lend money at all.

2. If you don't go to the credit, you will apply indiscriminately.

Nowadays, many popular online loans and mobile phone loans cannot be used for credit reporting. Some friends think that they can't find credit information anyway, so they can apply at will. Therefore, there is a saying in the circle that "the next payment should be paid".

Even if the loan is used, it will not be repaid, but these behaviors will be uploaded to the big data of the online lending industry by lending institutions. Once you apply for too many loans or often fail to pay them back, you will be directly refused the loan.

3. Find an intermediary to handle the loan

I need money badly, but I can't apply to the bank. At this time, some friends will rush to the hospital to find the so-called intermediary company to help me. If you are unlucky, it is easy to encounter "black institutions." Even if you don't meet a black-market purchase, unscrupulous intermediaries will lie, falsely report loan information, and even falsify information in order to successfully obtain loan fees.

The consequence of this is that it is listed as a risk customer by the lending institution, or even blacklisted. It will become more and more difficult to apply for a loan in the future.

4. The comprehensive debt ratio is too high

Using a credit card to swipe your card, the monthly bill is very high, and there are big applications for online loans. I think it doesn't matter if you can't get credit information. I didn't know that these would be truthfully recorded in the online loan big data. Lending institutions will query these data when approving loans. If personal debt is too high, lending institutions will be pulled into the gray list and refused to lend.

5. There is a tendency to defraud loans.

There may be no intention to defraud the loan, but the system will think that there is a tendency to defraud the loan due to the submission of false information, the purpose of the loan does not match, or the mobile phone number is not true (or the use time is less than 3 months), thus refusing the loan.

6. Have a history of usury.

Some friends borrowed usury for some reasons before, and although they have all been paid off now, they will also be regarded as key inspectors by lending institutions.

Baidu Encyclopedia-Grey List