What do "white households" and "black households" in banks mean now?

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

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