1. A zero credit card will appear in an individual's credit report, which will affect the applicant's credit evaluation in other banks or financial institutions.

2. A credit card with zero credit line cannot enjoy the interest-free period and micro-credit function of the credit card, and the cardholder is equivalent to lending money to the bank for use, and has to bear the annual fee and other expenses.

3. A credit card with zero credit line can get credit card points, discounts, insurance and other benefits, and can also swipe or withdraw cash at home and abroad, which is convenient for cardholders to spend and travel.

4. The credit card with zero credit limit will be used for a period of time, and the frequency and amount of credit card swiping will be maintained. As appropriate, the bank will increase the credit card or invite the cardholder to handle other types of credit cards.