1. There is no opportunity for the credit card, and the new credit card needs to be activated by the cardholder. If it is not activated, it cannot be used.

2. If the bank does not grant the credit line and the credit line applied for is , it may be because the qualification of surveyor has not reached the bank standard.

3. In case of risk, the bank will reduce the card quota as much as possible or even directly reduce the card quota to zero in order to control the risk.

4. The credit card applied by college students, if they are students at present, will be temporarily sealed before graduation, and can only be consumed after deposit.

The most common reasons why there is no credit limit in a credit card are the above three. If it is the first one, it can be activated in time. If it is the second one, it is the most patient.

Cardholders can deposit money for consumption and accumulate credit, and they can apply to the bank for withdrawal after 3-6 months of continuous use of the card. In the third case, provide proof to the bank and eliminate risk control to restore the line.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

main features

1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and stimulate social demand.

financial management strategy

1. Control the number of credit cards, and enough is enough

Once the number of credit cards is too large, it is easy to get the wrong repayment date of this card and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only one or two credit cards are enough.

2. Keep the credit card voucher

Most credit card holders don't care about the voucher, and they don't keep it. Most of them just throw it away, which is a very bad habit. In fact, keeping the credit card voucher is not only convenient for summarizing the consumption records every month and then analyzing and optimizing the consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand the credit card. And many people's credit cards don't have passwords, so discarding credit card vouchers at will may lead to credit card theft.

For safety reasons, it is best to keep the credit card voucher after spending, so that you can know well and develop good credit card financial habits.

3. Reduce withdrawal

Credit cards have two functions: overdraft and withdrawal, but withdrawal requires a certain percentage of handling fees, and even if you deposit your own money in them, you will be charged. So it is not cost-effective to withdraw cash by credit card and use it as a passbook.