Credit card white accounts refer to a group of customers with no bank credit record. This group of people will inevitably get stuck when applying for loans. The reason is that in order to control risks, some banks only target the audience. For 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 account?
For a white account, 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 if you have no credit?
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 balances 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