In most cases, the credit card applicants apply for have a certain limit, but the limit is different. Especially for college students or users with poor personal credit, it is common to apply for a zero-limit credit card, and cardholders do not need to worry too much. So how do you use a zero credit card limit?

How to use zero card limit?

When the user obtains a zero card limit, he or she can deposit money into the credit card and then make purchases with the card. In short, the credit card limit is zero, but the cardholder can still make use of the credit card's full discount for payment, and can also generate credit card points through payment and participate in redemption activities in the credit card mall. However, it is worth noting that in order to make purchases with a zero-limit credit card, the cardholder must first deposit cash into the card.

The current credit card limit is not static. Banks will adjust the credit card limit based on the customer's card usage and credit status. If the cardholder has used the card for a period of time and has a good personal credit status, he or she can apply for a withdrawal. Moreover, after the credit card limit is successfully raised and the limit is no longer zero, customers do not need to continue to deposit money into the credit card.