ICBC's credit card limit has been reduced to zero, probably because the user's improper use of the card was monitored by the bank. In this case, it is difficult to restore the credit line in the later period. It is suggested that users directly cancel this credit card and apply for a new one two years later, and they can apply again by providing their identity information, proof of work income and proof of repayment ability.
China Industrial and Commercial Bank Credit Card
ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.
Card sorting
Peony quasi-credit card is a quasi-credit card issued by Industrial and Commercial Bank of China. Cardholders deposit a certain amount of reserve fund according to regulations, and when the balance of the reserve fund account is insufficient to pay, they can overdraw within the prescribed credit limit. Peony quasi-credit card can be used in China, Macau, China, China, and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries for settlement, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The appearance of this quasi-credit card is a reflection of the imperfection of China's credit system.
Peony quasi-credit card has stopped issuing. Peony Credit Card and Peony International Credit Card, which truly meet the needs of the public, are the development direction. Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. Peony Credit Card can be used in China, Hongkong, China, Macau, China, and UnionPay acceptance points in Thailand, South Korea and Singapore. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.
Peony credit card
Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.
The available credit card limit of ICBC is 0. What is the credit information displayed?
0。 ICBC's credit card available amount is 0, and the credit information is also displayed as 0, indicating that there has never been a credit card, and there is no bank credit, which is a blank account. ICBC's credit card is called Peony Credit Card. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card. The cards issued by ICBC in cooperation with international credit card organizations mainly include Peony Visa, Peony MasterCard and Peony American Express.
The reason why that industrial and commercial credit card limit drop to 0
1. Credit card has been idle for a long time: a friend has set up a credit card, but it has been shelved because he is not used to it or for other reasons. This situation will be considered as sleep card by banks. The frequency of swiping cards is less, and the consumption amount is also lower. The bank will think that you have no great consumer demand at all, so it will reduce your usage quota.
2. Often overdue: If you often fail to repay on time, the bank will also restrain your behavior, and reducing the quota is one of the measures.
I believe everyone doesn't want to owe money, but don't feel hopeless if you really encounter this overdue situation. You can continue to use this card and keep the repayment on time for a period of time.
3. Cardholders are suspected of cashing out: frequent use of POS machines and other equipment to cash out credit cards is the most unacceptable. Seriously, it's not reducing the quota, but sealing the card.
Credit cards must be used normally. If you really cash out, you should stop immediately. Whether intentionally or unintentionally, you need to negotiate with the bank before restoring the line.
4. The credit card is frozen by the bank: If the credit card is in an abnormal state, such as being stolen, the bank will reduce the credit limit, such as reducing the credit limit to 0 or freezing the account, which is also to ensure the cardholder's financial security.
If this happens, the cardholder should explain the situation to the bank to ensure that there is no problem before applying to the bank for restoring the credit line.
What if the credit card is zero?
If you use it normally, you can repay it as soon as possible and the amount will be restored immediately. If the credit card is frozen, you can only apply to the bank for recovery after paying off the arrears. If not, you can only cancel the account.
Is it necessary to use industrial and commercial credit card limit 0 and industrial and commercial credit card limit 0? This concludes our introduction. I wonder if you found the information you need from it?