In fact, the white list of banks generally refers to the user groups with excellent qualifications. It is also because of the excellent personal qualifications of such people that the various loan products they applied for can be successfully passed. Bank white list usually has two situations:

1. List of quality customers meeting certain conditions: users with certain assets and good personal characteristics will enter the bank's list of quality customers. General banks will launch new products, invite customers on the list to experience and enjoy more preferential treatment. For example, civil servants, career establishment, lawyers, top 500 enterprises and other jobs will be more popular with the public. Moreover, this kind of work can not only make everyone get high income, but also be stable. In the eyes of banks, people who can do this kind of work will have excellent qualifications in all aspects, so the possibility of overdue loans will be very low during the use of loans.

2. List of persons without credit records: the credit report is blank, also known as the credit blank account. In other words, if you haven't made a loan in the bank or applied for a credit card, there is no record in the credit report.

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How to become a bank whitelist customer

The white list of banks refers to people who have never applied for credit cards or loans. When applying for a credit card, people with this qualification are advised to apply for a credit card in a commercial bank. For example, Shanghai Pudong Development Bank and China Everbright Bank. The amount of approval for the first card of white-listed customers is generally large, but you can't expect too much from the first card. You can apply for an increase after a while.

If users want to become white list users of banks, they must first maintain a good reputation, stable personal income and working conditions, and have strong economic ability. In terms of credit, we should maintain good credit and try not to overdue it. There is no obvious negative record on the credit report. Secondly, we can increase business contacts with banks, such as handling deposits in banks, paying wages by punching cards, investing in wealth management and so on. , thus increasing the bank's sense of identity with users.

Compared with ordinary users, whitelisted users can enjoy more rights and interests, such as giving priority to inviting applications, passing the examination more easily, or having a high amount of examination and low interest. Therefore, if you want to become a white list customer, you need to have a good comprehensive credit situation of users, a high-quality unit and more bank contacts.