Any bank can handle credit card business with zero limit or small limit below 500 yuan. You only need to present your original ID card and proof of valid income or valid assets to apply in person at the front desk of the issuing bank, and be interviewed to sign the relevant information. After the bank reviews and approves it for a period of time, it will issue you a low-limit credit card business.

For cardholders, zero-limit cards:

1. The People’s Bank of China has a credit report for every citizen, and individuals, financial institutions and relevant departments can check this credit report Report. Zero-limit cards will also appear in your report, which is very detrimental to cardholders who subsequently apply for credit cards from other banks, because some banks' credit card review mechanisms will refer to the credit records of other banks in the credit report.

2. If you need to swipe a zero-limit card, you need to transfer cash to swipe the card, and then you can enjoy the preferential rights of the credit card itself. But this completely loses the biggest advantage of credit cards, which allows cardholders to use their funds in micro-credit. Think about it, assuming a maximum interest-free period of 65 days. How high is the interest rate for borrowing your working capital now? Due to the fact that overpayments on credit cards are interest-free, cardholders are typically robbed by banks, and do not receive a penny when they lend money to banks for use.

3. People who use zero-limit credit cards as debit cards have a lack of knowledge about credit cards. I thought there would be no charge for opening a card without swiping the card. Although some banks do launch a small number of cards with unconditional lifetime annual fee exemptions, most banks launch the vast majority of card types that require swiping or have a hard annual fee. In the past, the mainland banking industry charged annual fees upon approval of a card. Later, the China Banking Regulatory Commission stipulated that the cardholder must open a card before annual fees can be charged. If the cardholder does not apply for a card with unconditional lifetime annual fee exemption, the bank will require him to pay the annual fee even if he does not use the card after opening the card.