In personal credit records, white households refer to users who have no credit card application and use records or loan application and use records. Banks are usually cautious when handling credit cards for white-collar users, because they can't refer to their previous credit records.

When a white family applies for a credit card for the first time, it is influenced by the credit history. In order to improve the chances of successful application, you can submit personal certificates of stable work or income, personal assets such as certificates of deposit, wealth management products, stocks, futures trading orders, real estate certificates, vehicle registration certificates, etc.

The pass rate of users handling youth cards issued by banks or through online channels is relatively high.