The credit card of China Industrial and Commercial Bank will display the overdraft balance and the overdraft withdrawal balance on the ATM, and the overdraft withdrawal amount is 30% of the approved credit limit. If you have a credit card, you can see it on the ATM.

For example, the credit line approved for the first time is 5,000 yuan, and the overdraft balance is 5,000 yuan, of which the overdraft withdrawal amount is 1.500 yuan, which occupies the credit line.

Your card shows zero available amount on the ATM, which may be a debit card, not a credit card.

Whether it is a debit card or a credit card, the annual fee can be exempted in the first year, and the annual fee for the following year is generally exempted if the card is swiped more than 10 times (unlimited amount). Debit cards are generally only 10 yuan, credit cards are generally 100 yuan, and gold cards are generally 200 yuan. Your card was cancelled before 1 1 month in 2009, depending on whether you swiped it in 20071month -20081month. The annual fee for 2009 can be waived. Only this annual fee will be charged when it expires in June 2008 +065438+ 10. You didn't mention the annual fee, which means that you met the standard last year, which is equivalent to exempting the annual fee in 2009. In this case, there will be no extra annual fee if the account is closed before June 2009 1 1!

Personal reference, for reference only!