Will not having a credit card limit affect your credit score? This needs to be analyzed based on the reasons why the credit card has no limit, which can be divided into the following situations: 1. The credit card limit is used up. This is the most common phenomenon and will not have an impact on credit reporting. But one thing to note is that the monthly consumption amount and repayment amount due on a credit card will also be reported every month. The bank approved the credit business and saw that the average usage limit of the credit card in the past 6 months was too high, especially since the card was empty every month and there was no limit left. Although it was repaid every month, the repayment amount was higher than the income level. It was easy If the bank suspects that the cardholder is dumping the card or cashing out, the application may be rejected directly. 2. If the credit card limit is reduced to 0, it is likely to affect your credit report. Although it is normal to reduce the credit card limit, it is still relatively rare to reduce the limit all at once. The main reason is that the credit card is seriously overdue. For example, a cardholder once had a credit card that was overdue for 3 months and had no repayment. The bank repeatedly called for payment to no avail, so the credit card limit was simply reduced to 0 to prevent the cardholder from using up the credit card limit and further failing to repay, which would cause the bank to increase the amount of credit card payments. bad debt rate. An overdue credit card will naturally affect your credit report, but it is not directly linked to the lack of credit limit. The above is the relevant introduction to "Will having no credit card limit affect your credit report?" I hope it will be helpful to everyone. In short, whether the lack of a credit card limit affects your credit report must be analyzed based on the reasons behind it.