The bank will adjust the credit limit according to the cardholder's card usage and repayment record. In general, credit cards may increase or decrease the limit, but rarely directly reduce it to 0. A friend said that his ICBC credit card limit was reduced to 0, so what should I do if the ICBC credit card is reduced to 0?

What if ICBC's credit card is downgraded to 0?

The credit card limit of ICBC has dropped to zero, which may be caused by overdue, cashing out, false information application, frequent online loans (whether overdue or not), handling cards in different places, and not using them for a long time. If the reason why ICBC's credit card has been downgraded to 0 is clear, it is suggested that cardholders who have overdue, cashed out or used false information to handle their cards should cancel their credit cards directly after returning them. Don't waste time, because 80% is on the bank's gray list. If you confirm that there is nothing wrong with your card use behavior, please contact ICBC's telephone customer service in time to ask why the credit card limit has dropped to zero. If there is no such behavior, you can explain the situation to ICBC's telephone customer service or go to ICBC's business outlets to submit proof materials to apply for restoring the credit line.

In short, ICBC generally does not recover all the credit lines without reason, which is generally caused by the cardholder's overdue, cashing out and false information application. In these cases, the credit limit will not be restored when it drops to 0, and it can be cancelled directly after the card is returned. If there is no bad behavior, you can give feedback to customer service and ask for the restoration of the quota.