In Hunan, tax is a black-and-white household, which refers to the language of bank card review. According to the inquiry, the audit of bank loans or credit cards generally adopts black and white households. A white household refers to an applicant who has never opened a credit card or applied for any loan and has no credit record in the bank. A black account refers to an applicant whose personal credit record contains behaviors such as overdue credit card and loans overdue. After repeated unsuccessful collection by the bank, it was blacklisted by the bank, or sued by the bank and blacklisted by the court.