When the credit limit of Everbright Credit Card is 0, this credit card can no longer be used. The reasons for the credit limit dropping to 0 may be as follows:

1, not used for a long time: unused or not activated. This will easily lead to "waste of resources", so it is easy for banks to reduce your quota.

2. Suspicion of cash withdrawal: The bank will control the risk of multiple installments and multiple cash withdrawals, because you will feel that you are illegally cashing out, so your credit card will be downgraded.

If it is downgraded due to risk control, as long as it holds normal transactions and abides by the credit card rules, the quota will be gradually increased.