1. Why is the credit card a white account?
To get rid of the white credit card, you need to activate the card first, and then use the card to generate consumption records and repayment records. If the credit card is not activated, the credit information will only show the bank, time and amount of the credit card, and there is no record of loan and return, which is also a blank account. However, some people don't need to activate their credit cards. Although the loan and repayment records are displayed every month, the consumption and repayment amount are both 0, which is not very helpful for credit information. It is suggested not only to open a card, but also to use it well to cultivate a good credit record. Let the bank know that the cardholder is actually spending, that is to say, the cardholder should conform to the normal life consumption logic when swiping the card daily, whether it is the type of merchant, the consumption time or the credit card limit.
Second, how do white households apply for credit cards?
As shown below: 1. White households can actually be divided into two categories: one is pure white households, which means that banks or their patient financial institutions have no financial behavior when applying for loans, credit cards or inquiring about credit records, and their personal credit information is blank; The other type is white households, with records of unactivated credit card application and loan application failure, which are generally separated by more than half a year. 2. When white households apply for credit cards, it is best to choose Puka first, which is the easiest to handle. At the same time, try to choose commercial banks, which are in urgent need of expanding customers and generally have lower requirements than state-owned banks. For office workers, they usually apply for a salary card at a designated bank, and white families can also apply for a credit card at a payroll bank. It will be easier to get a card if they have a payroll record. 4. If you have the conditions, you can prepare as many relevant assets and financial information as possible to prove your economic ability, so it will be easier to apply for a card.
To sum up, if you have bad credit information, you should deal with it as soon as possible and repay the outstanding loan as soon as possible, so as not to affect the subsequent development. If a white household wants to apply for a credit card, it is better to apply for an ordinary card first, which is easier to pass. You can also prepare more relevant property certificates to show that you have the ability to open a credit card.