What is a white credit account?
A white credit account refers to a user who does not have any loan records and work information, or even a credit card. Such people are called white credit accounts. The opposite of white households is black households. Black households with credit information have a lot of overdue time, or they have been implemented and are currently overdue. Such customers basically won't lend money. The best way is to settle the loan quickly. After five years, the default records will no longer be displayed.
White families are mainly divided into two categories:
The first category is pure white households with no financial behavior. Never applied for loans, credit cards or inquired about credit records in banks or other financial institutions.
The second category is White Tiger (Xiaobai), who has the financial behavior of applying for a credit card, but has not activated it; Or even if I applied for a loan, the loan still failed.
Why is it difficult for white households to apply for loans?
Because white families have almost no financial behavior. From the perspective of risk control, banks or financial institutions will inquire about the borrower's consumption ability, repayment ability and credit situation, and ask users to provide personal credit reports to evaluate the credit situation, judge whether the borrower meets the loan conditions and see how the credit situation and repayment situation are. The credit record of credit white households is blank, so it is difficult for lending institutions to judge the relevant situation of users. Therefore, I dare not lend money to white households with credit information easily.
How to change the status of "white households"?
The best way is to apply for a credit card properly. Use this credit card to pay back, pay back on time, not overdue, so that after a period of time, there will be a good credit record on the credit record.