The meaning of Baihu is: the first meaning refers to ordinary households; the second meaning refers to customer groups without bank credit records.

A white household refers to a person who has dealt with a bank and has a record of applying for a loan or credit card at the bank. The final application was unsuccessful, the card was not issued, and the application time was more than half a year.

Baihu refers to ordinary households in the old days, but when used in the credit industry, it mostly refers to people who have never applied for a credit card or loan. There is no credit record on the personal credit report and is blank. For example, many students under the age of 18 have not yet joined the workforce, have no income, have no social security, provident fund deposits, and have not handled any financial business. They are relatively common credit report white accounts.

Is a white household good or bad

Compared to a black household, a white household is naturally better. Credit blackmail is also a popular term in the credit industry. It mostly refers to people who are overdue more often, overdue for a longer time, are currently overdue, or have other bad records on their credit report, such as tax arrears and fee arrears. Civil judgments, enforcement, etc.

Compared to people with good credit, white households are slightly worse. A good credit status means that a person who has applied for and used a credit card or loan has never been overdue, repaid in full and on time every time, and has no bad debts, payment freezes, guarantor compensation, debt repayment in kind, or debts owed. Bad information such as tax arrears, enforcement, etc. are all accumulation of good credit.