According to the description of this probability by major domestic banks, an empty credit card means that the user has completely brushed the credit card limit, or the credit card limit accounts for 90% of the credit limit. In this case, if the remaining limit is lower than 10%, you can consider an empty card. If the credit card is empty for more than three months, it will be empty for a long time. In order to avoid risk control, some people make small repayments after large credit card consumption. In fact, such an operation method is not recommended.