Empty credit card (credit card) will not affect the user's repayment. The user can still choose to repay in full, installment or minimum repayment. However, empty cards will increase the risk of overdue, and it is not recommended for users to keep empty cards for a long time. If the user chooses to repay in full, the empty card has higher requirements on the user's repayment ability, so the empty card is usually suitable for installment repayment or minimum repayment.

Having an empty credit card (credit card) card is not conducive to increasing the limit of the credit card (credit card). It is not that the credit card (credit card) limit is used up every period, and the bank will quickly increase the limit for the user. Quota, on the contrary, banks will consider such users to have certain risks.