Inquiries are persons who do not have any credit records in the system, i.e. no relevant information such as credit cards, loans, consumption instalments, etc. So, is it a good thing or a bad thing? This question cannot be answered as simply as other questions, and needs to be analysed in many ways, as follows:

Is it a good thing or a bad thing

Lack of credit records

Lack of credit records makes it difficult to own credit products such as credit cards, loans, instalments and so forth, which may limit the ability of households to purchase large items of goods or other loans. In addition, those who do not have a credit record may face additional challenges in applying for key positions, such as those who need to handle finance or work in the financial field。

II. Difficulties in obtaining preferential rates for loans

Borrowing becomes more expensive when a person does not have sufficient credit records. Loans can only be granted at higher interest rates, which means that the White House has to pay more interest and costs. This would also result in a smaller total amount of loans received by white households from banks or other lending institutions, which could affect their own business or investment。

III. Lease of houses or acquisition of vehicles

White people may find it more difficult to buy or rent from a gift. In some cases, the landlord may refuse to rent to the White House, while the renting of an apartment or the purchase of a house may require a higher down payment or higher insurance premium. White families face similar problems when they need to buy cars。

IV. Avoidance of debt risk

On the other hand, white households would not be exposed to the adverse effects of credit cards, such as overdue repayments, deterioration of credit and high levels of demurrage. Their lives are not affected by the risk of poor credit records, which makes it easier for them to manage their own debts and avoid unnecessary interest and costs。

Protection from fraud

According to consumer protection reports, a large number of people are victims of fraud every year, many because of the theft of credit cards, bank account information. On the other hand, people who do not have credit cards or credit records will be more vulnerable to such attacks than other consumers, as fraudsters do not attempt to attack accounts that do not exist, thereby protecting white households from fraud。

In the light of the above, the stakes are different. If a person is considering becoming a white man, the trade-off needs to be carefully weighed. While certain aspects would be affected, measures could be taken to gradually create credit records, such as the use of credit cards and timely payments, regular payment of utility bills and good communication with landlords and banks。