1. The available credit limit of the credit card is zero. It may be that the credit limit of the credit card has been used up. Unless the cardholder repays, it will not be restored. Assume that the credit limit of a credit card is 10,000 yuan, and the cardholder uses the credit card to spend 10,000 yuan. After consumption, the available credit limit of the credit card will be displayed as 0, which means that the credit card cannot be used before the balance is settled.

2. If the cardholder pays late or uses the credit card illegally, the credit card account will be frozen. In this case, the credit card will no longer be usable and the limit will show as 0.

3. The credit cards held by users belong to special card types, such as installment cards, home improvement cards, etc., which can only be used in specific consumption scenarios. For example, installment cards and home improvement cards can only be used in specific consumption scenarios.

4. The credit limit of the credit card is reduced, so even after the user pays off the credit card bill, there is still no available credit limit.

How to increase credit card limit?

The credit policy of the credit card center will be adjusted from time to time, mainly due to factors such as the card center’s capital cost, bad debt rate, risk preference, and periodic business goals. Even in all aspects The exact same person applies for a new account with the same bank credit card at different times, and the initial amount will be different. Similarly, if the same person applies for credit cards from different banks at the same time, the initial limit will be different.