Does the subject want to ask "the reason why China Merchants Bank shows that it has a quota but cannot use it"? The credit card is frozen, there is something wrong with the credit, and the debt is too high.

1. Credit card is frozen: if the cardholder fails to repay the loan within the time limit, the credit card will be frozen and cannot be used. At this time, the cardholder needs to apply to China Merchants Bank for thawing before resuming use.

2. There is something wrong with the credit investigation: If the applicant has a bad record in the credit investigation and does not meet the credit card borrowing conditions of China Merchants Bank, the credit line will also be unable to lend money. At this time, you need to improve your personal credit information or wait for a while before applying.

3. Excessive debt: When applying for a loan, China Merchants Bank will evaluate the repayment ability of the applicant. If the applicant's debt is too high, the system will think that the repayment ability is not good and there is a loan risk, and will refuse to borrow. At this time, it is necessary to reduce personal debt or provide proof of its assets to improve repayment ability.