Ordinary users who are overdue, cheat loans and frequently inquire about personal credit information will be included in the credit information gray list. People on the credit gray list can still apply for loans, but these people themselves are problem users, so many lending institutions usually refuse loans. It is best to apply for a loan through a professional credit manager to improve the probability and amount of the loan.
Credit gray list can be used for loans, but the probability of applying for loans is higher.
When applying for a loan, financial institutions will judge that the user's willingness to repay is reduced, so as to strengthen the audit, which is more likely to refuse the loan.
Users on the credit information gray list are lighter than users on the blacklist. As long as personal credit is actively maintained during bank audit, the pass rate of loan application can be improved.
What is a credit grey list?
As the name implies, the credit gray list refers to the kind of people between the white list and the black list. There is no actual overdue or no appointment in the credit information, and there is no problem with the credit information record. However, they have some "sensitive behaviors", which are generally related to non-performance, so they will be highly concerned by credit institutions and their loan applications will be more strictly examined.
Grey list can also borrow normally, but it will be more difficult than ordinary borrowers. In order to control the non-performing loan ratio, many platforms will conduct strict audits, so it is very likely that loan applications on the gray list will be rejected.
What behaviors will lead to being included in the gray list?
1. Frequent borrowing: Some friends like to apply for loans from multiple platforms in a short time. Even if some credit reporting agencies do not collect credit information, lending behavior will be recorded by big data. In this way, the borrower will be recognized as a customer in urgent need of money by credit institutions, with high risks and doubts about its repayment ability. Then the borrower's loan application will be rejected and the borrower may be included in the gray list.
2. Habitual overdue: Some friends don't really pay back the money, but think it's no big deal to be overdue for a day or two, which leads to many credit reports being overdue. I don't know that these overdue behaviors will be recorded, which will not only reduce my loan amount, but even be rejected.
3. Information fraud: When filling in the loan information, some friends will "package" their own information in order to facilitate the smooth passage of the audit. However, credit institutions can verify the authenticity of borrower information through big data. If the information is found to be fraudulent, it will be recorded as a "dishonest user". It may drag you into the gray list and even think that you are suspected of fraudulent loans.
4. History of usury: Even if the borrower has paid off all debts, it will be recorded by big data, and credit institutions will focus on it when they see relevant records.
5. Personal bad habits: borrowers with bad records such as drug abuse, gambling and fighting. It will be considered as non-assessable by credit institutions, or it may be listed on the grey list by credit institutions for observation for a period of time.
6. Failure to pay living expenses in time: Living expenses include utilities, gas, communication, etc. Although many living expenses are not fully collected, credit institutions can also find these bad behaviors through big data.
How to get out of the grey list
Don't worry too much if you find yourself on the gray list. Because the grey list has a time limit, the time limit of each credit reporting agency is different, ranging from several months to one year. As long as the subsequent credit records remain excellent, the bad records on the grey list can be overwritten.
Legal basis:
Article 671 of the Civil Code of People's Republic of China (PRC), if the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.
If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.