It is not easy to apply for a credit card, and it is even more difficult to apply for a high-value credit card. The issuing bank will judge whether it is necessary to give a high credit card according to the comprehensive situation of the applicant. If the bank judges that the applicant's repayment ability is insufficient or the risk of bad debts is high, the credit card limit is zero.

If the credit limit is zero, don't cancel it in a hurry Cardholders can first use the preferential policies in the credit card to keep personal credit information and consumption records. Although the credit card limit is zero, you can use the full amount of the credit card to pay the discount, or you can generate credit card points through payment and participate in the redemption activities of the credit card mall.

After spending a period of time, the credit card limit did not increase, and the cardholder decided to cancel this credit card.

For most card issuing banks, the zero quota is only temporary. After the cardholder uses it for a period of time, the card issuing bank will withdraw money. When spending by credit card, the bank will increase the amount according to the cardholder's use of the card.

If your credit card limit is zero, there is no need to cancel it in a hurry. You can try to withdraw money for a while first.