As we all know, credit-reported households are prone to run into obstacles when handling credit business. However, a white credit account does not necessarily refer to a person who has never handled credit business. Some people want to take off their hat of being a white household, but they don’t expect that after applying for a card, their credit report is still blank. What exactly went wrong? Analysis for you.

Why don’t you have a credit record if you have a credit card?

When applying for a loan, as usual, the bank will first check the applicant’s repayment ability and willingness to repay, and there is a column in the credit report Credit transaction details, from which the applicant's repayment ability and willingness can be judged. The applicant's repayment ability and willingness are also the most critical.

Generally speaking, after successfully applying for a credit card, the credit card's credit status, credit limit, used limit, monthly repayment amount and other information will be displayed. If your credit report is blank, it can only mean one problem: the credit card has not been activated and cannot generate any loan or repayment records. If you apply for a card in this way, it will be useless because the bank will not get any useful reference information. This shows that if you want to get rid of the "hat" of being a white household by applying for a card, you must activate the credit card after applying for the card.