Black households are not allowed to apply for credit cards. When a bank approves a credit card, it mainly examines two points, one is the repayment ability of the applicant, and the other is the credit status of the applicant. The main way to check the credit status is to check the personal credit report, which records the applicant's use of other credit cards and loans and repayment records. Only users who are overdue for a long time will become black households. In order to avoid bad debts and excessive bad debts, banks will not issue cards to people with bad credit, so it is difficult for black households to apply for credit cards.