In the financial industry, baihu refers to individuals who do not have any credit history or previous borrowing experience. Due to lack of credit history, they often face difficulties in applying for loans, renting houses, and obtaining financial services such as credit cards. However, in recent years, with the development of financial technology and the improvement of data analysis technology, some banks and financial institutions have begun to provide white households with more opportunities to establish their own credit history and apply for credit cards. So, is the success rate of applying for a card for a white household high? What credit card limit can a white credit account apply for? Today I will introduce it to you!

Although the success rate of applying for a card for white households is relatively low, it is not absolutely impossible. The following factors may affect Baihu's success rate when applying for a credit card:

1. Bank policies: Different banks and financial institutions have different policies and standards to evaluate loan applicants. Some banks may be more willing to give a white account a chance and consider approval based on other factors (such as income, stability); while other banks may place more emphasis on customers having a good credit history.

2. Bank products: Some banks and financial institutions have specially launched credit card products for white households. These products typically have lower limits, higher interest rates, and other restrictions, but can provide white households with the opportunity to build a credit history.

3. Income status: Although the applicant lacks credit history, if the applicant can prove that he has a stable source of income and the income level is relatively high, then the bank may be more inclined to approve his or her credit card application, even if they It's Shirato.

It should be noted that even if you successfully obtain a credit card, the limit that a white account can handle is usually relatively low due to the lack of past lending experience and credit record support. This is a measure taken by banks to reduce risks and ensure the safety of funds. With a solid credit history built up over time and good repayment performance, cardholders can seek to increase their credit limit. In addition, one way to solve the white household dilemma is to increase the success rate of applying for a credit card through a guarantor or a co-applicant. If a family member or close friend is willing to serve as a guarantor, and has a good credit record and stable income, the bank may be more inclined to approve Baihu's credit card application.

The above is all the content shared by the editor. Although the success rate of applying for a credit card for white households is relatively low and the amount that can be processed is low, it is not completely impossible to obtain a credit card. Nowadays, many banks have launched credit cards for white credit accounts. Friends in need can try to apply for them.