Most of these cards are quasi-credit cards. The so-called quasi-credit card has both the overdraft function of credit card and the deposit function of savings card. I guess you didn't know that credit cards have no interest. For example, if your credit card limit is 65,438+00,000 yuan, you can deposit another 65,438+00,000 yuan, although your available limit is 20,000 yuan. But no matter how long you deposit it, the bank will not give you interest. Although no one will put more money into the credit card. But quasi-credit cards can save money and have current interest.
Let's take the most common example, Ping An Credit Card, many of which are quasi-credit cards. And many of them have high quotas, which can be used to overdraw or to save money to increase interest. Unlike other banks' quasi-credit cards, they generally have zero credit limit. However, this influence is not very great.
There is also a quasi-credit card with zero quota, which is more common, that is, the card for college students to pay tuition fees. This kind of card is also a quasi-credit card with zero quota. This card is generally handled by the school and is specially used to pay tuition fees. But students can't apply for a credit card, but they can apply for a quasi-credit card. As long as students use it for a period of time, after graduation, if the bank thinks they have good qualifications and large demand deposits, then this card will also withdraw money. You can overdraw normally if there is a limit.
There are also many repayment cards for bank loans, which are generally quasi-credit cards with a credit limit of 0. This card can only be used for repayment, not overdraft. After the loan is paid off, this card can be used as a savings card. However, this kind of card generally does not increase the amount. So after the general loan is paid off, this card will be cancelled.
Therefore, a credit card with a limit of 0 cannot be overdrawn, but there is interest on saving money. It is unlikely to increase the quota. Therefore, it is recommended to call customer service directly to cancel this card.
Related Q&A: Related Q&A: How many credit cards can a normal person apply for and what is the total amount? A person who works normally (not in the system, not a corporate executive of a large enterprise) has no assets such as a garage under his name, and the total credit line of a credit card will generally not exceed 300,000. As long as the total credit line is within 300,000, you can apply for as many cards as you want. Some people may reach 300 thousand with three cards, so it is more difficult to get a card. Some people may have 20 bank cards with only a few hundred thousand credits. But if there are more accounts, it is not so easy to apply for a credit card. Generally, if there are more than six credit card banks, the score of the number of accounts will be very low when applying for a credit card.
If you work in the system, the bank's favorite customers are actually people from institutions. Because of its good stability and welfare, bad debts rarely occur and the risk is the lowest.
Therefore, the credit line of such customers will generally be much higher than that of employees in general enterprises. If the provident fund deposit base is very high or the cadres at or above the division level have good credit information, the amount will be much higher, and millions of credit lines are possible.
Doing business or having your own business, with high flow of water, will increase the credit limit of legal persons. In fact, this increased credit line is equivalent to the enterprise credit line. For example, the CEO of a listed company is likely to exceed one million, or even the total credit line is over ten million. The specific total credit line still depends on his assets and income ability.
Generally speaking, under the same asset level, women's credit card limit is higher than men's. There is no special limit on how many credit cards you can handle, but the limit is the credit limit. If your credit limit keeps increasing, then your credit card can continue to run.