Zero credit card is also a kind of credit card, which is called quasi-credit card. Although there is no credit line, you need to enter the personal credit information system and pay the annual fee.

Zero credit card hidden password:

According to the analysis of credit card experts, the existence of "a few cases" of zero-line credit cards is mainly due to the following two reasons:

1, risk prevention and control

As mentioned above, the bank will decide whether to approve the card and the amount according to the qualifications of the applicant. Then, for some "marginalized" applicants (who meet the card issuance standards but have certain risks), the bank will reduce the card quota as much as possible, or even directly reduce the card quota to zero.

Step 2 Seize the market

In recent years, the competition between banks is also fierce. In order to retain potential users and seize the market quickly, some banks will issue zero credit cards to applicants with poor qualifications. Only by saving money can card friends gradually increase the quota. On the one hand, it can increase the number of users, on the other hand, it will not increase the bank's bad debt rate because of the rapid surge in card issuance, and it can kill two birds with one stone from the bank's point of view.

However, the first reaction of many cardholders to get a zero-line credit card is to get angry and even cancel the card immediately. Actually, you don't have to do this. Zero-line credit card is essentially a credit card, and you can fully enjoy the rights and interests that this credit card can enjoy, such as merchant discounts and points discounts.

Then, in order to increase the credit limit, card friends can save money and spend money on their credit cards, and maintain a certain frequency and limit of swiping cards. After three to six months, the credit card limit will naturally increase, and it is still relatively fast to increase the limit from 0.