Does the questioner want to ask "The reason why the industrial and commercial credit card is locked to a limit of 0"? There are risks in the account, cardholders have cash-out behavior, and repayments are overdue.

1. There are risks in the account: The bank will monitor the card usage of the cardholder from time to time. If the cardholder is found to have abnormal behavior, such as illegal use of the card, overdue repayment, etc., the bank will take measures to Account locking measures to protect the security of funds.

2. The cardholder has cash-out behavior: The bank system will use various means to monitor the cardholder's card-using behavior. If it is found that the cardholder has cash-out behavior, the bank will take measures to lock the account to protect it. Funds are safe.

3. Overdue repayment: If the cardholder fails to repay on time, the bank will take measures to lock the account to protect the safety of funds.