1, it is difficult to withdraw the amount: banks encourage cardholders to use credit cards to spend more, and at the same time make full use of the amount, which is conducive to withdrawing the amount; Long-term empty card will not only affect the sticker of credit card, but also affect the cardholder's approval progress and loan amount for other bank credit business.

2. Card reduction: Long-term empty cards will only make banks feel that capital risks are high. When the cardholder has bad card use behavior, the amount will be reduced immediately. The higher the credit card limit, the greater the risk of card closure caused by long-term empty cards. For example, credit cards with a limit of less than 1 10,000 yuan will generally not be suspended. Low credit limit means low risk, but it will be more difficult to increase the credit limit.

3. Increase the debt ratio: If the credit card is empty for a long time, it will not only increase the debt ratio, but also make the bank question the cardholder's repayment ability, and it is very likely that the loan will be rejected later; At the same time, there is an overdue risk. If it is overdue, it will affect the cardholder's credit information.