When you find that your credit card limit is 0, it does not mean that it is completely useless. Zero-limit credit cards, often called quasi-credit cards, have no initial credit limit but are still required to be included in a person's credit history and may require an annual fee. There is a specific meaning and strategy behind such a credit card.

First of all, the bank's risk control is one of the determining factors. For those users whose application qualifications are marginal, the bank may set the credit card limit to zero in order to reduce potential risks. Even so, they may still get the card, and by depositing funds to spend, the limit may gradually increase.

Secondly, competition among banks has also prompted the issuance of zero-limit credit cards. Some banks will attract potential customers in this way, allowing customers to increase their credit limit by using and accumulating a good credit history. This can not only expand the user base but also control risks, which is a strategic choice for banks.

Although you may feel dissatisfied when receiving a zero-limit credit card for the first time, remember that it is essentially a credit card and comes with various privileges. In order to increase the limit, you can regularly deposit funds and make appropriate purchases to maintain a certain level of activity. Generally, after three to six months, the limit is more likely to be increased, and the speed of increasing the limit from scratch is usually faster.