The biggest advantage of a credit card is that it can be consumed in advance. After the bank applies for the credit card, the bank will issue the corresponding limit to the card. The cardholder can not only swipe the card for consumption but also withdraw cash, provided that the card has Quota.

Why do you apply for a credit card with a limit of 0?

The main reasons for a credit card with a limit of 0:

1 is not activated: after the credit card is issued, it needs to be activated before it can be used. Obtain the corresponding credit limit;

2 Overdue repayment: After the credit card is overdue, the remaining limit will be cleared by the bank to prevent the cardholder from continuing to use it and continue to be overdue;

3 Use the credit limit Finished: After the limit is used up, the available limit will be displayed as 0, and you need to repay before you can continue to use it;

4 is a campus card: the campus version credit card has a limit of zero before graduation;

5 If the card or account status is abnormal: the limit will be frozen and displayed as 0. You can consult the card-issuing bank for specific reasons.

In order to provide convenience for card use, the bank will allow the use of excess credit limit based on the cardholder's comprehensive card usage situation, up to a maximum of 10. If the card's available limit is a negative number, it means that the account has exceeded the limit, which may be caused by consumption or installment/interest deductions.

The limit in the credit card is ultimately subject to the audit results. If you find that your credit card limit is not high, it is recommended to use the card for a period of time and maintain a good consumption and repayment record before applying to increase the limit. Increasing the limit requires a certain amount of credit accumulation and credit record support. Therefore, it is necessary to maintain a good credit record, repay the loan in a timely manner, and avoid excessive overdraft.

The reason why the credit card limit is 0 is introduced as above. If you apply for a credit card from a certain bank and find that there is no limit after activation, you can consult the customer service of the card-issuing bank in a timely manner.