"Credit card 0 bill" means that all credit card debts are paid off before the bank bookkeeping date, and the payable repayment amount of the current bill can only be displayed after the bill comes out, that is, the 0 bill.

Advantages and disadvantages of 0 credit card bill are as follows:

Advantages of "zero bill": 1. Can reduce the debt ratio, good credit, is conducive to the card and loan; 2. When applying for a credit card, the credit card audit department will think that the overdue risk is low; 3, avoid overdue, return before the bill date, don't worry about overdue repayment.

Disadvantages of "zero bill": 1, increased repayment pressure; 2. If the card is used abnormally, it is easy to reduce the amount and seal the card; 3. Low utilization rate of funds; 4. The credit card limit is wasted.

If the cardholder wants to reduce the debt ratio in order to handle the card and loan, the "0 bill" will work; But if it is to raise a card or withdraw money, it is best to repay it after the billing date.