Customers who have never opened a credit card are usually called white households. Just no loans, credit cards, etc. And there is no credit record in the bank.

Unregistered families/residents

There are stains in the bank credit information system, such as overdue credit cards, loans overdue, repeated dunning, illegal cashing, etc. , referred to as blacklist.

Extended data;

Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report.

If you want to get rid of it, you have to wait five years. After the five-year retrospective period, the bank will automatically cancel the blacklist. However, please note that if your original behavior is too bad, the bank can ask for further traceability (provide relevant certificates, such as repeated door-to-door failures, malicious fraud, etc.), which means it will last for five years or even permanently.

Reference materials; Baidu encyclopedia-credit card blacklist