If a customer applies for a credit card and gets a zero line, it may be that although the customer meets the application conditions, his credit status is relatively general, and his comprehensive evaluation is not very high, but his development potential is great. Therefore, after some consideration, the bank has not rejected the customer, but only approved a card for the customer, but will not provide a line for the time being.

Customers can save money for consumption, and banks can judge customers' spending power through their card-using behavior, and adjust the quota accordingly. If the customer has a good record, then the bank should increase the quota.

What does credit card downgrade mean for 0 yuan?

When the credit card is downgraded to zero, the bank will recover all the credit lines of the credit card, so that the credit lines of the credit card will all be zero. After the credit card limit is fully restored, users will no longer be able to use the credit card. Even if there are outstanding debts before, the amount returned will not be restored to the limit after the used limit is settled. If users still have a certain demand for this card, they can apply for another one.

For the case that the credit card limit drops to zero, users can also accumulate credibility through savings and consumption, and the credit card limit may rise again in the future.