The credit card has a limit, and the balance displayed on Lakara is zero as follows
The available credit card limit is zero, and the possible situations are as follows:
1, low credit limit, that is, zero credit card;
2. The credit line has been fully used and unpaid, and the available credit line is zero;
3. The credit card has a bad record, which may be an act prohibited by the bank such as long-term overdue or cashing out, and the card is blocked by the bank.
What does it mean that the available credit card limit is 0?
The credit card available amount is 0, which means: the available amount has been used up/the credit card has a bad record, so you can no longer use the credit card, and you must refund/increase the original consumption amount before you can continue to use the credit card.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Explanation:
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
Why is the available balance of the account zero after the credit card is paid off?
1. There is no "available balance" in the credit card bill, only "available amount" and "balance".
2. The concept of "balance" here is different from that of debit card balance. The "balance" here refers to the amount that the customer has not repaid after consumption, not the remaining amount of the customer, but the money that the customer owes the bank.
3. If the available amount is zero, this should be checked according to the personal repayment record. Because the account is frozen by the bank due to overdue repayment, the credit card may show zero available amount. It is recommended to call the customer service hotline of the credit card center for enquiry.
1. Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
2. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
3.201212 On 2 6 February, Premier Wen Jiabao of the State Council presided over the the State Council executive meeting, which deliberated and passed the Regulations on the Administration of Credit Information Industry (Draft). The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape. The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates strict market access conditions and corresponding approval procedures for credit reporting agencies to engage in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies to collect, store and provide credit information, and clarifies the rights of information subjects.
So much for the introduction of zero credit card balance.