1. Generally speaking, as long as you are 18 years old, have a stable job and have a high school education or above, you can apply for a bank credit card. The threshold for applying for a credit card is low and the process is simple. In particular, it is simple and fast to apply for a credit card through online channels. You can get the card within a week at the earliest. In addition to accumulating personal credit, daily consumption is increasingly inseparable from credit cards. Not only the consumption of offline merchants can be solved by swiping cards, but also the application scenarios of online swiping cards are becoming more and more extensive. Credit cards are required for online shopping and overseas shopping. The bank also launched a number of preferential activities for credit card holders.

2. "White-letter households" refer to people with blank credit records. It is difficult for white borrowers to apply for loans. Because the personal credit record of Credit Xiaobai is blank, lending institutions cannot evaluate the credit of loan applicants, which is unsafe for institutions with strict risk control. So the suggestion is to apply for a credit card and bid farewell to your white credit account status. It is best to accumulate some personal credit before buying a house with a loan. Only with good personal credit can it be convenient to apply for a loan. Among all bank credit products, credit card is the easiest to handle and the best tool to accumulate personal credit.

Loans refer to loans provided by banks, credit cooperatives and other institutions to money-using units or individuals. Generally speaking, interest and repayment date are stipulated. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending money and monetary funds, banks can meet the needs of society for supplementary funds, so as to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Bank loan refers to the economic behavior that banks distribute funds to people in need of funds at a certain interest rate according to national policies and stipulate the repayment period. Generally, you need to provide guarantee, house mortgage or income certificate and good personal credit information to apply. Moreover, in different countries and different development periods of a country, the types of loans classified according to different standards are also different. For example, industrial and commercial loans in the United States mainly include general loan limits, working capital loans, standby loan commitments, project loans and other types, while industrial and commercial loans in the United Kingdom mainly take the form of discounted bills and credit accounts. And overdraft accounts.