This is a zero credit card and a kind of credit card. It is called quasi-credit card. Although there is no credit line, you need to enter the personal credit information system and pay the annual fee.

0 yuan credit card can't be overdrawn. If the cardholder doesn't want to use it, he can cancel it. Otherwise, after the card is opened, if the number of swipes is not met, the cardholder should be alert to the overdue annual fee. If you meet the withdrawal conditions after consumption, you should pay attention to repayment on time and don't leave a "stain" on your personal credit report.