The credit limit of Everbright Credit Card is zero yuan, which means zero credit card, which is the so-called quasi-credit card. Although there is no credit line, you need to enter the personal credit information system and pay the annual fee. It is a wealth management product with payment function as the main function and consumer credit function as the supplement. Although the credit limit will be zero temporarily, users can obtain credit records by saving and spending with cards, thus improving the credit limit of the account. Cardholders can gradually get familiar with credit card products, accumulate credit records, develop good consumption habits and improve their financial management ability through the process of using this product.