Definition of credit account \ x0d \ x0d \ Simply put, credit account refers to users who have never had a credit relationship with banks or other financial institutions, and their credit record in the central bank's credit report is 0. Generally speaking, credit white households can be divided into two categories: white households and pure white households. \x0d\ 1。 White account \x0d\ White account refers to a user who has a record of applying for a credit card or loan, but failed in the final application for more than half a year. \x0d\2。 Pure white households \x0d\ Pure white households are users who have not applied for loans, credit cards or inquired about their credit records in banks or other financial institutions, and their personal credit records are blank. \x0d\3。 It will be very difficult for a white borrower to apply for a credit card or loan business for the first time, and may even be rejected. From the bank's point of view, the credit record is an important basis for judging a person's credit. If your credit record is blank, the bank can't make an objective and reasonable evaluation of your spending power, repayment ability and credit status. For the sake of risk prevention, it is understandable that the bank refuses your card application or loan request. \x0d\4。 The situation of pure white households is better than that of "white households" After all, "white households" were those who failed to apply at that time, and their risks were greater than those of "pure white households" who had no application record at all.