The credit card used for credit investigation refers to the credit line used by the credit card under the cardholder's name.

Most credit cards have a credit limit, which is called revolving credit limit, that is, after the credit card holder pays off the debt, the credit limit will reach the original amount. If the credit card holder fails to repay the loan on time or illegally uses the credit card, the credit card holder will face the consequences of declining, freezing or even clearing the credit limit of the credit card.