In fact, it depends on the status of the credit card and the cardholder's willingness to use it.
First, the status quo of credit cards
1, the credit card limit is 0, but it has not been frozen or frozen.
This situation only has no available limit, but it will not affect the use of the credit card itself. No matter what causes your credit card limit to become zero, you can use it as long as the credit card is in normal condition and has not been frozen or frozen.
But because there is no limit, you have to deposit the money in your credit card to spend it. In this case, you still use your own money, but you can enjoy various credit card discounts. Merchants who brush points can also accumulate credit card points and earn a little wool. If it is not a student credit card, as long as you insist on normal transactions and abide by the rules of credit card swiping, the amount can be raised.
2. The credit card limit is 0, but it is blocked and frozen by the bank.
Don't even think about it Can't continue to use it. You must call the bank to unfreeze the card and let it return to normal state before you can continue to use it.
Second, the cardholder's willingness to use the card.
Many cardholders have a credit card limit of 0. Although the card status is normal, they can also save money for credit card consumption. However, if you still use your own money in essence, you may not want to use the card. This is very common. This requires everyone to properly handle credit cards. If there is no bad credit overdue, it is recommended to cancel the credit card directly.
However, many college students' credit cards have a credit limit of 0, but they can establish personal credit and can still be used, because such credit cards are free of annual fees, and most of them can also be free of handling fees, so that parents can directly transfer money to the cards for students to use.