What we call white credit usually refers to people who have never applied for a credit card or loan, and whose credit record is blank. Although these people have no bad records, it does not mean that they have good credit, and their loan applications are also more likely to be rejected. . Therefore, it is necessary to get rid of the white household status as soon as possible. So, how to get rid of the credit white account? Let’s take a look.

1. Apply for a credit card. Baihu can establish a credit record by applying for a credit card and then using the credit card. However, it is also difficult to apply for a credit card for a white household. You can choose bank credit card products with low thresholds. The first choice is the salary card issuer. Secondly, choose according to your identity. For example, if you have just entered the social work, you can choose China Merchants Bank Young Card or Bank of Communications y-power. Cards, etc. are all good choices; female friends can choose female card products such as GF True Love Cards and Minsheng Women’s Flowers. When applying for a credit card with a white account, don’t look at the limit first. Just apply for the card. After applying for the card, remember to use the card. Even if it is a card with a limit of 0, you can still deposit money into it for consumption. You can also enjoy bank discounts and build up a business. With your personal credit record, you can naturally get rid of your credit status.

2. Apply for an online loan with a credit report, that is, a loan product from a licensed financial institution that is connected to the central bank’s credit report system, such as Anyihua, China Merchants Lianhaofengdai, Weilidai, etc., and the loan information for successful application will be Report it to the central bank's credit reporting system, and remember to repay it on time. Of course, this type of formal loan institution products also have certain thresholds, and pay more attention to the borrower's repayment ability, so generally only those with stable jobs and good credit can apply.

3. Guaranteeing others. This requires the credit white accountant to have a very strong repayment ability and sufficient financial strength. After giving a guarantee to someone, the lender's loan record will also be copied to the credit report of the credit white account. The guarantor usually needs to bear joint and several liability. Once the lender is unable to repay, he must repay it for him, otherwise he will be charged for overdue payment. It will affect the credit of the guarantor and may lead to prosecution by the lending institution.