What does it mean to apply for a white credit card account?

A credit card white account refers to a group of customers who have no bank credit record. This group of people will inevitably get stuck when applying for a loan. The reason is that in order to control risks, some banks only target people with good credit records. Credit card white accounts can also be divided into white accounts and pure white accounts. A white household means that there is an application record, but the application failed in the end and the card was not issued for more than half a year. A pure white household refers to a person who has never applied for a credit card or loan and has no personal credit.

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1. What credit card is easy to pass if you apply for a white household?

For a white household, China Merchants Bank Young Card, Bank of Communications Y-Power Credit Card, Guangfa Bank True Love Credit Card Easy to pass. Banks do not have special restrictions on white accounts. The main basis for banks to apply for credit cards for users is personal credit reports and financial capabilities. The credit card review process for Baihu may be slightly longer. If Baihu has good credit, you can check which bank card has more deposits. Banks with more deposits will make it easier for users to apply for credit cards.

2. Reasons why Baihu’s credit card application was rejected

The main reason why Baihu’s credit card application was rejected is because: the credit record cannot be checked, so it is impossible to judge whether the credit card is good. It is bad; you cannot judge whether you have the ability to repay on time through loan records and credit card records like other people. Therefore, in order to reduce risks, some banks may refuse to approve the card because of the applicant's blank credit report.

3. How to apply for a credit card with a white credit card?

It is recommended to choose cards with lower application thresholds such as regular cards and gold cards. When applying, you should provide as many assets, financial resources, and Information on economic income, such as large deposit certificates, salary statements, property rights certificates, car driving licenses, etc., to prove to the bank that you have sufficient repayment ability.

4. What is the credit limit for Baihu?

The credit limit of each bank is determined by the bank based on the applicant’s own conditions, economic conditions and personal credit information. According to the assessment, the maximum number of credit cards that can be approved by a white account will vary from bank to bank. A white household refers to a person who has never handled any bank credit business, such as loans, credit cards, etc., and whose credit record is blank. Usually, the credit limit applied for by a white household is not very high.

5. How to cancel a credit card

① Dial the customer service number of the bank's credit card center with your mobile phone and select the cancellation service according to the voice prompts. It should be noted that your credit card must have no outstanding balance for the operation to be successful.

②Go to the bank counter to cancel, bring your ID card and credit card, and fill in the card cancellation application form at the bank

What does an empty credit card mean?

An empty card is OK It refers to an empty card in a savings account, or it can also refer to an empty card in a credit card account. An empty savings card generally refers to a card that has no money in the account and has not been used for a long time. If the card is not used for a long time, the bank will cancel the corresponding account, firstly to reduce account management costs, and secondly to protect the rights and interests of the account owner and prevent the restricted account from being misappropriated by others. Empty credit cards refer to swiping the entire credit limit for consumption. Occasionally empty credit cards are helpful for increasing the limit, but emptying the card for a long time may lead to suspicion of cashing out, especially when the amount swiped is always exactly the same as the credit card limit, it is easy to be Bank credit card center risk control.

1. Check whether the bank card is empty. You should go to the bank to check. When you go to the bank, you can ask the staff to help you check. If you have a card in your hand, you can check the balance in the card. But you need a password when querying.

Self-service inquiry machines, or simply go to the bank counter. Once the card is empty, you can cancel it directly if you no longer want it.

If you have no money in your bank card and have not used it for a long time, or the card has not been activated, it can be a blank card. However, if the card has not been used for a long time, it is best to go to the bank to cancel the account, otherwise you will have trouble applying again in the future. of.

1. You can go to the bank to check or call the bank customer service to check.

2. Bank cards are divided into three types of cards: Type I accounts refer to accounts opened through traditional bank counters and that meet all the strict requirements of the real-name system. To put it simply, it is the savings card or debit card you hold in your hand. Its functions include deposits, purchasing financial products, cash withdrawals, transfers, consumption and premium payments, etc.

Type II accounts cannot deposit or withdraw cash, nor can they transfer funds to unbound accounts. The single-day payment limit for this type of account is 10,000 yuan. This is the case with credit cards, for example. Category III accounts are mainly used for quick payments such as quick pass password-free payments. They can only handle small-amount consumption and payment, and are not allowed to handle other businesses. The balance in the household does not exceed 1,000 yuan. Category II and III households do not have physical cards. The limits for Type II and Type III accounts are mainly to effectively control customer capital risks.

Bank account information is personal privacy and cannot be found online. If the account is related to you and you need to check it, you must bring your ID card to the counter.

II. 1. Bank card refers to a credit payment instrument issued to the society by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Usually what we call a bank card refers to a savings card, which requires deposits first and then consumption.

2. Debit card. Debit card refers to a credit card that requires deposit first and then consumption (or cash withdrawal) without overdraft function. According to different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards. Normally, the bank cards that everyone uses require deposits and then consumption are debit cards.

3. Credit card, a credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and then repay. Credit card A credit card is a special card issued by a bank or other financial institution to those with good credit status for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions. It is a special credit certificate.

What is a credit card (empty card)

It means that when the total amount of your credit card has reached the credit limit, you can continue to purchase items and pay in installments. Before the installment payment, there is actually no money in your credit card, which is also called empty card payment.

Some people use this loophole to conduct illegal operations, which is the so-called "empty card cashout".

That’s it for the introduction to what a blank credit card is.