What will happen if the credit card is empty for a long time?

Long-term empty card means that the credit card has been in a state of no available limit and the behavior lasts for more than three months. In short, the credit card limit is used up or almost used up. Generally, the card is empty when the limit is less than 10%. Long-term empty cards can not only be withdrawn, but also reduce the number of cards, and even affect the bank's credit card approval and quota.

Especially for high-value credit cards, the higher the credit card limit, the greater the risk of card closure caused by long-term empty cards. If the credit card caused by cash withdrawal has no available quota and is often vacant, it is easy for banks to control risks and banks may be downgraded.

In addition, if the credit card is not used for a long time, it will increase the debt ratio and make the issuing bank doubt the cardholder's repayment ability. If the cardholder handles other credit business of the Bank, it will be directly rejected by the issuing bank.

Does the empty credit card affect the credit investigation?

Empty credit cards will not affect credit reporting. After the credit card is emptied, as long as the user repays on time, the biggest impact is that the credit line slows down and the bank reduces the credit line. Only the record of overdue repayment of credit cards, such as three to six consecutive times, will have a serious impact on credit investigation. Occasionally overdue, but it will be paid off immediately, which will not have much adverse impact on credit reporting.

Users are advised not to empty the credit card limit once a month, and brush it to about 80% at most.