If the credit card limit is not enough, you can save money by swiping it, but there are some tips for this. It's better to say that the money saved can be consumed at one time, so that you won't pay more. At the same time, it is best to save money after the bill comes out. When the deposit is greater than the bill amount, then the current bill amount can be deducted, and there is no need to repay this month.

Before I bought a computer by swiping a credit card in JD.COM, the available credit card was only 3,000 yuan, while the computer price was 5,000 yuan. If I pay directly by credit card, because I am short of 2000 yuan, the transaction can't be successful, so Xi Cai Jun transfers money by debit card, transfers 2000 yuan to credit card, and then purchases successfully.

Therefore, when the credit card limit is not enough, you can also save money in the card to swipe your card. As for how to save money, it's up to you. You can deposit money directly into your credit card at the ATM, or you can transfer money by debit card like Xi Cai Jun.

Tips for saving money by credit card

1. Don't save too much money, you'd better spend it all at once. Otherwise, if you save too much money and don't spend it, it will become an overpayment. Not only will you not deduct the bill amount, but you will also need a handling fee to take it out.

It's better to save money after the bill comes out. For example, if your bill comes out, you owe money, and you save more money than you owe, then you can deduct the current debt and don't have to pay it back this month. However, the amount spent in the future will not be accounted for until next month, so you have an extra month's interest-free period.

The above is "can I save money and swipe my card if the credit card limit is not enough?" . In a word, if the credit card limit is not enough, you can really use it to spend, and you can't repay it in full after using it. You can also apply for installment repayment or minimum repayment.