Recently, many people have responded that the credit card limit is 0. The credit card is a credit certificate issued by commercial banks or credit card companies to consumers with qualified credit. The limit of credit card application for ordinary people is more than 10000, but why is the limit of credit card 0? What's the matter?
1. Why to issue 0 credit card? The bank will also issue credit card to users who can not meet the credit conditions but have potential for development, but the credit account limit will be 0 temporarily.
2. How to use a credit card with a quota of 0?
The cardholder can obtain credit record by using the card for saving and consumption, so as to improve the credit limit of the account. Cardholders can gradually get familiar with credit card products, accumulate credit records, form good consumption habits and improve their financial management ability through the process of using the product.
This zero limit credit card is also a kind of credit card. It is called quasi credit card. Although there is no limit, it also needs to enter the personal credit system and pay annual fee. For example, the Great Wall card of Bank of China is a quasi credit card.
0 credit card can neither be used as a savings card, nor has the real function of a real credit card. If the cardholder has the will, he / she can save the money first, then swipe the card for use, and then make repayment on time. Apply for withdrawal after having good credit record. When the amount is raised successfully, it is no longer a zero amount.