Most people may not have heard of the credit card 0 bill, even those who often use credit cards must not have heard of it. Today, let's talk about the topic of credit card 0 bill.

Credit card 0 bill

The so-called zero bill means paying off all the debts of your credit card before the bank statement date. After this repayment, your current credit card bill, the current repayment amount is 0, and the credit report shows that your current repayment amount is also 0.

Advantages and disadvantages of credit card 0 bill

One: Profit

①0 bills reduce liabilities

② Bank withdrawal

③ Reduce the repayment cost.

④ Apply for a large credit card by card.

Two: Disadvantages

① Unusual card.

If you don't use a credit card, the bill will naturally be 0. If you want to operate 0 bill, you must use credit card financing. If the payment is made before the bill date, it must be taken out after the bill date. Never underestimate the big data of banks. You know, banks will not take advantage of the system in order to protect their property.

② Waste of credit line

Give you a line of 1 0,000, and your bill will be 0, so the bank will not mention 30,000 to 50,000. If you want to increase the quota, you have to spend, and more consumption is the key, not change.

③ Credit card derating

The purpose of using 0 bill is nothing more than two, or let the bank that has already done the card give you a line; Or let a bank that doesn't have a card handle it for you. For banks that have already applied for cards, prepayment is of course useful. But for those who spend money immediately, the bank is likely to judge that the consumption is abnormal and reduce your card.

You may think this method will be very good, but banks have big data, and all operations are recorded and analyzed by big data, so don't try to make a credit card 0 bill.