Long-term empty credit card means that the credit card has been in a state of no available limit and the behavior lasts for more than three months. In short, the credit card limit is used up or almost used up. Generally, the card is empty when the limit is less than 10%. Long-term empty cards can not only be withdrawn, but also reduce the number of cards, and even affect the bank's credit card approval and quota.

Especially for high-value credit cards, the higher the credit card limit, the greater the risk of card closure caused by long-term empty cards. If the credit card caused by cash withdrawal has no available quota and is often vacant, it is easy for banks to control risks and banks may be downgraded.

In addition, if the credit card is not used for a long time, it will increase the debt ratio and make the issuing bank doubt the cardholder's repayment ability. If the cardholder handles other credit business of the Bank, it will be directly rejected by the issuing bank.