Because the card does not have a credit limit.

The credit card activation limit is 0, so you can only deposit money first and then use it. The user can apply for a credit card, but there is no credit limit in the card. This means that although the user meets the credit card application conditions and successfully passed the review, due to a low overall credit score, the bank only sent the card and did not provide a credit limit for the card.

Users can accumulate a good credit record by saving money for consumption. After a period of time, the bank may re-issue the credit limit for the card.