Although most people are now accustomed to using credit cards for consumption, there are still users who insist on not applying. Someone asked, what does it mean for people who don’t have a credit card? So let me briefly talk about this issue for you. I hope you will find it helpful after reading it.

What does it mean for someone who doesn’t have a credit card? If the user neither handles other credit services nor has a credit card, it means that the user is a white account. That is to say, there is no credit record on the user's credit report. For this group of people, many institutions "do not recognize" it. Because there are no historical loan records and repayment records that can be understood, they believe that the risk of white accounts is higher. When setting the product application threshold, it will be rejected directly or during the review process. Of course, if the user does not have financial needs, it is normal not to apply for credit business. There is no "good or bad" statement. It mainly depends on personal needs. It just needs to ensure that the repayment can be made on time after application and no overdue payment occurs. . In addition, for many users, in addition to spending and withdrawing cash, applying for a credit card can also enjoy the benefits of "picking up wool". After all, banks often offer discounts. If the user does not have a credit card, naturally he will not be able to enjoy it. The above is the answer to "What does it mean for someone who doesn't have a credit card?" In general, there is no good or bad distinction between having a credit card and whether you should apply for one depends on the needs of the user. If the user needs funds in the future or wants a discount, and does not want to be rejected due to a white account, he or she may consider applying.