Any bank can handle zero credit card business or small credit card business below 500 yuan. All you need to do is apply to the front desk of CDB in person with the original ID card and valid income or valid assets certificate, and sign the relevant materials in person. After a period of review, the bank will issue you a low-limit credit card business. Cardholder's zero line card: 1. The People's Bank of China has a credit report for every citizen, which can be found by individuals, financial institutions and relevant departments. The zero-limit card will also appear in your report, which is very unfavorable for cardholders to apply for credit cards from other banks later, because the credit card review mechanism of some banks will refer to the credit records of other banks in the credit report. 2. If you need to swipe a zero credit card, you need to transfer it to cash before you can swipe it, and you can also enjoy the preferential rights of the credit card itself. However, this completely loses the biggest wool that credit cards give cardholders micro-credit funds. Think about it. Assuming that the longest interest-free period is 65 days, what is the current interest rate of working capital borrowed by yourself? However, due to the interest-free nature of the credit card itself, the cardholder is typically cheated by the bank and can't receive a penny for lending money to the bank. 3. People who use zero-line credit cards as debit cards lack credit card knowledge. I don't think it's free if you don't swipe your card Although some banks have indeed introduced a small number of cards that are unconditionally free of annual fees for life, most of the cards launched by banks require free or hard annual fees. In the past, the banking industry in the mainland was boundless, and an annual fee was charged for approving cards. Later, the CBRC stipulated that cardholders must open a card to collect annual fees. If the cardholder does not apply for an unconditional lifetime annual fee-free card, the bank will ask him to pay the annual fee even if he does not swipe the card after opening the card.