To use a VISA zero-limit credit card, you first need to understand what a VISA credit card is and why there is a 0-limit credit card.

VISA credit card is not issued by one bank, but can be issued by every bank. It is a credit card jointly issued by the issuing bank and VISA International Organization. VISA International is a credit card brand and an alliance organization. It was founded by Bank of America in 1900 and later developed into a global credit card association. Credit cards issued in cooperation with VISA are available in countries and regions around the world that support VISA credit cards. All can be consumed, and VISA credit cards can be used at merchants that support VISA consumption around the world. Credit cards that support VISA generally have the VISA International logo on them.

Many people apply for VISA credit cards just so that they can directly use their VISA credit cards for consumption when going abroad, without having to exchange foreign exchange and then use foreign exchange for consumption.

When the limit of a visa credit card is zero, it is usually when the bank believes that the applicant does not have much spending and repayment ability. At this time, if the card is still needed, you can make a deposit for consumption first. , that is, deposit funds on this credit card, and then use the funds in the credit card for consumption. After six months to one year of consumption, the bank will adjust the limit based on your spending habits and spending ability. When the limit is available, You can use your credit card limit for consumption, and you can also directly use your VISA credit card for consumption at merchants abroad that support VISA. The VISA credit card will automatically convert it into the functional currency of your credit card based on the exchange rate of the day, saving you the trouble of going to the bank to exchange foreign currency.

Of course, if there is no need to go abroad for consumption, then this 0-limit credit card will not be of much use. At this time, you can call the issuing bank of the credit card and inquire about the conditions for canceling the credit card in advance. After meeting the conditions, cancel this 0-limit card. After all, if there is no need to spend abroad, a 0-limit credit card is actually of little use.