Can I swipe my credit card if the credit limit of CCB decoration installment card is 0?

After the renovation installment card of CCB is activated, the credit line is zero, indicating that the applicant has not obtained the available credit line for the time being. After the renovation installment card of CCB is activated, the system will comprehensively evaluate the applicant's qualifications, personal credit information and personal liabilities. If the applicant meets the conditions of CCB decoration loan, but does not meet the eligibility of CCB decoration quota, then the system will not grant credit quota, so the quota of CCB decoration installment card will be zero after activation.

In order to obtain the credit line of CCB decoration installment card, users can increase their personal credit or reduce their personal liabilities to meet the conditions for obtaining the credit line. Under normal circumstances, you can buy wealth management products or deposits at CCB, so you have a great chance to get a credit line.

Extended data:

1. Can individuals apply for renovation loans? Of course. All Chinese mainland residents (excluding Hong Kong, Macao and Taiwan) aged 18-70 can apply.

2. Which houses can apply for renovation loans? Blank houses, hardcover houses, commercial houses, apartments (with residential nature) and large-scale renovation of second-hand houses can all be applied.

3. Which banks can handle decoration loans? China Construction Bank, Agricultural Bank, China Bank, Industrial and Commercial Bank, Rural Commercial Bank, China Merchants Bank, Ping An Bank, etc. Everyone can apply, but whether they can apply depends on the local banking policy.

4. What is the interest on the renovation loan? The monthly renovation loan interest rate ranges from 0.23% to 0.33%. ① Different banks have different rates. Take Foshan as an example, the monthly interest rates of CCB and ABC are 0.25% and 0.267% respectively. ② Different years, different rates. Take the renovation loan of Foshan Construction Bank as an example. The monthly interest rate of the loan is 0.25% for five years and 0.28% for eight years. ③ Different regions have different rates. Taking Foshan and Zhongshan as examples, the monthly interest rates of Foshan Agricultural Bank and Zhongshan Agricultural Bank are 0.267% and 0.29% respectively. ④ Different properties have different rates, and some newly acquired properties can enjoy exclusive rate concessions after entering the banking system, such as 0.25% for entry and exit properties and 0.28% for other properties; ⑤ Different activities have different rates. Sometimes banks hold large-scale bank home improvement festivals. For example, the monthly interest rate is 0.28%, and the home improvement festival will be discounted to 0.25%.

5. When is it better to apply for a decoration loan? Hardcover rooms should be applied before furniture and household appliances enter the site, and blank rooms should be applied before the completion of mud and wood.

6. What factors determine the bank's approval quota? The bank will make a comprehensive judgment based on your decoration budget (first-hand house decoration/second-hand house decoration), assets and liabilities (online loan/credit card/wealth management/stock), property attributes (hardcover house/rough house), property value (urban/suburban house, market value per square meter) and other factors. ☆ Note that civil servants and undergraduate education are extra points; At present, there is a lawsuit (lawsuit), and the bank will not approve it.

7. How to apply for a decoration loan? Find a loan service provider or go to a bank outlet, and the information is complete. (If you look for a loan service provider, they will give you the best solution, and you are more likely to get the lowest interest rate and the loan pass rate, provided that you find a reliable loan service provider. )

8. How to lend money after handling? ① One-time loan: one-time loan for hardcover house, with the application amount below 1.5 million yuan ② Two-time loan: one-time loan for rough house after hydropower completion and one-time loan for mud and wood completion.

9. How soon can I receive the installment card after processing? About 3 days after handling, you will receive a decoration installment card mailed by the bank. After activating the card, you can swipe your card to spend.

10, how to activate the decoration installment card? Refer to the activation process on the envelope with the installment card, or directly call the 24-hour customer service hotline on the back of the installment card, enter the cardholder's card number and inquiry password, and select the credit card activation according to the voice prompt to activate successfully.