Customers who have never opened a credit card are usually called white households. In other words, those who have never had any loans, credit cards or other credit records in the bank are called white households. White families can apply for credit cards. Credit card black account refers to the personal credit card consumption that is due to the failure to open or cancel the credit card in time, which will be listed as a bad record in the personal credit report and become a credit card black account.

It is not only difficult for black letter users to get loans, but also difficult to find jobs. Nowadays, many government departments and financial institutions require individuals to submit their own credit reports during the recruitment process for reference.