If the user clears all or 90% of the credit card limit, when the remaining limit is less than 10%, it can be regarded as an empty card. Blank cards for three months or more are considered as long-term blank cards. Although banks encourage users to spend more by swiping their cards, they will monitor users' swiping behavior. Long-term blank cards can easily lead to expiration. So there is the risk of risk management and card sealing.

What does an empty card mean?

An empty card means that the credit limit in your card has been used up. If you can cash out on this basis, and it is 2-3 times the original credit line, in fact, this is also an alternative method for credit card cash out.

Generally speaking, credit cards have a relatively fixed amount of use. As we all know, the credit limit of a credit card is approved by the bank. How can you say it will change? How can a credit card with a used-up limit withdraw more cash than the multiple of the limit? Conventional credit card cashing means that the cardholder swipes the credit card limit of your credit card in full through a number of cashing companies or other institutions, and then the cardholder immediately gives you cash. This cash-out method requires a handling fee ranging from 1.5-3%.

And "empty card cashing" is to withdraw cash from your credit card when your credit limit is used up, and the amount obtained can be several times that of your credit limit. Credit card management loopholes have become a tool for some people to collect money.

What do you mean by empty credit cards?

Empty credit card (debit card) means that the credit card (debit card) has spent 90% or more, or the available credit card (debit card) is below 10%. Empty credit cards (debit cards) are not risky in themselves, because available credit cards (credit cards) are for users. However, long-term empty cards will be suspected of taking cash. At this time, the credit card (debit card) will be controlled or even reduced by the bank's risk.

At the same time, the credit card (credit card) will not be returned until the last repayment date, and the minimum repayment amount will be selected after the credit card (credit card) swipes a large amount. Repeat this operation, it is easy to enter the monitoring range of the bank. It is recommended not to use credit card (debit card) in high amount, and postpone repayment until the last repayment date. The most suitable way is to brush back a small amount at the same time.

Will the credit card be blocked if it is always empty? If you don't want to be blocked, you can do this.

A friend is doing business and has a 50,000 yuan card in his hand. When it doesn't work, he will use it to swipe his card to buy goods. Every time he swipes his card, the amount is very large, and it is common to empty the card at one time. He heard that the bank's risk control is strict, and many people have been downgraded and blocked, so he is worried that credit cards will be blocked if they remain empty. Actually, it is possible.

1. What do you mean by an empty credit card?

An empty credit card generally means that you have swiped all the credit card lines, or the credit card line accounts for 90% of the credit line, and the remaining credit line is below 10%, which can be considered as an empty card. If this leaves the credit card in an empty state for more than 3 months, it will remain empty for a long time.

Or some people, in order to avoid risk control, make a small repayment after spending a large amount of credit cards, and then brush them out in small amounts. For example, if you owe 20,000 yuan, you only pay back 2,000 yuan each time, and then pay back 2,000 yuan in two or three times. Repeated operations will also leave the credit card in an empty state for a long time.

2. Will the credit card be blocked if it is always empty?

Although the bank encourages us to swipe more cards, we strictly monitor our swiping behavior. For example, long-term empty cards will be considered suspected of cashing out, especially large credit cards with a quota of tens of thousands. Long-term empty cards can easily lead to overdue. In the eyes of banks, the greater the risk, the easiest to be banned.

On the contrary, those small credit cards are fine as long as they are not overdue because of their low quotas and small risk factors.

In short, credit cards are always empty and there is a risk of being blocked. I suggest you don't wait until the repayment date to empty the quota. It's best to repay a few small amounts and use high-frequency repayment to reduce the negative impact of long-term empty cards.

What do you mean by short credit card?

A credit card with a credit limit of 90% or more is called an empty card. Empty card repayment refers to the user's repayment operation when the available credit card amount is lower than 10%, which is called empty card repayment. Empty credit cards themselves have no effect, but long-term empty cards will be suspected of cashing out, which will make you vulnerable to bank risk control.

It is suggested that when users use credit cards, the credit limit is at most about 80% of the credit limit of credit cards, which can avoid risk control and help increase the credit limit.

How to calculate an empty credit card? Let's stop here.