It is actually not a good idea to leave your credit card empty for a long time. It is recommended that the monthly credit limit be within 80. Do not use it empty. Otherwise, the system will judge that you are suspicious and will lower the credit limit. This will make it more difficult to increase the credit limit. Credit cards also need to be maintained, used and cherished. 1. Will the credit limit be reduced if the credit card is empty for a long time?

If the credit card is empty for a long time, the risk control system of the bank will be triggered, and the bank will take reduction measures to remind users to use the card properly. If the situation is more serious, the credit card may be subject to risk control, and all credit limits may even be withdrawn. For users, the monthly credit card limit is about 80% of the credit limit. As long as it exceeds this limit, it is considered an empty credit card.

Occasionally empty credit cards have no impact on personal credit and the credit card itself, while long-term empty cards may result in the subsequent inability to use the card. 2. Can the credit limit be increased if the credit card is empty for a long time?

If the credit card is empty for a long time, it will be suspected of cashing out. The bank will conduct risk control on the credit card with empty card. Credit cards under risk control cannot increase the limit. If the user wants to To raise the credit limit quickly, it is best to only use about 80 of the total credit limit of the credit card every month. This can tell the bank that it has strong spending power and avoid triggering the bank's risk control.

In addition, once a long-term empty card is deemed a problem by the bank, the credit card limit will not be increased, but the limit will be reduced due to the empty card. 3. What are the consequences of leaving your credit card empty for a long time without leaving any money?

There will definitely be consequences if you leave your credit card empty for a long time without leaving any money. Generally, there are the following consequences:

1. If you are withdrawing cash and clearing your card frequently, it is easy to be controlled by the bank, and the bank may reduce the number of blocks on your credit card;

2 , Empty credit cards without depositing money for a long time will increase the debt ratio and make the bank question your repayment ability. If you do other bank credit business, you may be rejected.

3. There is a risk of overdue credit card. If it is not overdue, it will affect your credit report.