If I use Jianbei, does that mean I am no longer a white household? It can be said that if you use borrowing, it will no longer be a white account. Because a white household refers to a person who has never done any credit business and has no credit record in the credit report, the column of the loan record on their credit report is blank. Borrowing is subject to credit reporting. After borrowing, it will be reported to the central bank's credit reporting, and the loan status of the borrowing will be added to the credit record, so the borrower changes from a white account to a person with a credit record. Moreover, the repayment status of the borrowed money will also be reported, which requires everyone to pay attention to repaying on time. After all, once the overdue borrowed money is reported to the credit reporting system, a bad credit record will be left on the credit report. At that time, the borrower will Damaged credit is not conducive to subsequent credit card applications. On the one hand, it means that the borrower is not trustworthy, and on the other hand, the repayment ability will be questioned. Many people may say that if you borrow the money and repay it on time without overdue payment, then there will be no impact. This is not necessarily true. Although you can establish a good credit record through the use and repayment of Jiebei, for some banks with strict risk control, loans with Jiebei records may not be approved. For example, if a borrower applies for a housing loan in the Hangzhou area and has used online loans such as Borrowing twice in the past six months, the loan will not be allowed. The above is the relevant introduction of "If you use Jiebai, will your household become a white household?" I hope it will be helpful to everyone. In short, if you use Jiebei, you will not be considered a white account, because Jiebei records may affect the loan process, so you should use it with caution and remember to repay on time after borrowing.