Why can't white households apply for loans? How important is a credit card?

Loans need to look at credit information. White families can apply for wage loans. Materials to be prepared for wage loan: 1, lender's ID card; 2. The credit information of the lender in the past six months, and the credit information is good; 3. The bank card under the lender's name has been flowing for nearly half a year without interruption; 4. Lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months) 5. Income certificate issued by the lender's work unit. 6. Social security card (available); 7. Provident fund card (available).