In fact, the "white household" in a credit card refers to the person who applies for a credit card for the first time, that is, the person who applies for a credit card for the first time. Such people, like those with overdue credit cards, will find it difficult to apply for a credit card.

The reason is that most people without credit cards have no personal credit history. No credit record does not mean a good record, because the bank doesn't know your previous credit situation, and naturally it can't judge your future credit situation. You may be a good user who cares about personal records, but there is also a great possibility that you are a growing old user. Therefore, the China Banking Regulatory Commission also issued a document clearly stipulating that banks should conduct more rigorous examination on credit card applicants who have no personal credit history, just like those who have overdue.