a credit card is empty. Generally, it means that you have swiped all the credit card lines, or the credit card line accounts for 9% of the credit line. Generally, it can be considered as an empty card if the remaining credit line is less than 1%. If this keeps the credit card in an empty state for more than 3 months, it will be an empty card for a long time. Or some people in order to avoid risk control, after spending a large amount of credit card, make a small repayment, and then brush it out in a small amount. For example, if you owe 2, yuan, you will only pay 2, yuan each time, and then you will pay 2, yuan out two or three times and then return it. Repeated operations will also leave the credit card in an empty state for a long time.

especially for high-value credit cards, the higher the credit card limit, the greater the risk of card blockage caused by long-term empty cards. If the credit card caused by cash withdrawal has no available quota and is often vacant, it is easy for the bank to carry out risk control and the bank may downgrade it.

in addition, if the credit card is not used for a long time, it will increase the debt ratio, which will make the issuing bank doubt the cardholder's repayment ability. If the cardholder handles other credit business of the bank, it will be directly rejected by the issuing bank.