Black-and-white borrowers refer to people with bad or incomplete credit records and no credit records, and it is often difficult for such people to obtain loans or credit cards. Black households are blacklisted by banks because of overdue debts and fines, and cannot apply for loans again. White households mean that there is no credit record at all, and banks can't evaluate their credit, so they are very cautious in risk control. ID card, household registration book, salary flow and tax bill are the main basis for applying for a loan. Without this certificate or record, it is difficult to qualify for loans and credit cards.

Black-and-white loan customers are often regarded as unreliable customers, because those customers with no credit history or unhealthy credit history are rejected by banks. In the loan business, banks rely more on people's credit to audit, and people without credit records and black households have not been absolutely fair evaluated. Lending black-and-white households will also involve some risks of usury and black-market lending, because these people have to borrow money at high prices to solve their urgent needs, but they often fall into deeper economic difficulties.

Black and white households with loans should pay attention to establishing their own credit records and credit values. Regular or timely repayment by credit card, transparent handling of arrears and timely updating of personal information can all establish a positive credit record. If you encounter illegal households, you should take appropriate measures to overcome difficulties, repay loans according to law, communicate with banks, and once you are removed from the blacklist, you can get the opportunity to rebuild your credit. For white families, it is recommended to apply for as many credit cards as possible and establish a credit rating from a low amount.