An empty credit card means that 90% or more of the credit card limit has been spent, or the available credit card limit is lower than 10%. Empty card repayment means that the cardholder repays the credit card by using a third-party platform on the repayment date. As long as the available credit card amount is enough to pay the handling fee, you can use the empty card to repay, pay it back first, and then swipe it out. After repeating the cycle, the current bill is paid off and the amount of credit card is included in the next bill. There is no risk in an empty credit card itself, because the available credit card limit is for users. However, long-term empty cards will be suspected of cashing out. At this time, the credit card will be controlled or even reduced by the bank's risk.