A “white account” in credit reporting refers to someone who has never had a credit card or used a bank loan. It should be noted that having a white household does not mean that the credit report is blank. Although the credit report of a white household does not have loan and credit card records, it may have information such as provident fund, social security, penalties, judgments and inquiry records. This group of people will inevitably encounter obstacles when applying for loans. The reason is that the credit of white households and pure white households is highly uncertain, lacks trustworthy records, and their credit scores will be very low. In order to control risks, some banks and other banks Lenders only target people with credit records and good repayment records. Therefore, if you are planning to borrow a loan, you can apply for a credit card appropriately and keep a good consumption record and credit record to avoid overdue loans. This will help you a lot when applying for a loan in the future!