The credit card is maxed out. Can I swipe it?
This mainly depends on how the bank stipulates. After all, credit cards have a hidden limit besides the apparent available limit, which is called the over-limit limit. If the bank gives you an over-limit amount, you can continue to swipe your card with the over-limit amount after the credit card is maxed out. And if the bank doesn't give you a line, you can't swipe your credit card if it is maxed out.
As far as we know, not all banks can exceed the limit, such as Bank of Communications and China Merchants Bank. Although some banks can exceed the limit, they must require customers to apply for opening. For example, Minsheng Bank requires customers to use the reserved mobile phone to edit the short message "the last four digits of KC card number" and send it to 106902895568 to apply for the over-limit function.
How to swipe your credit card if it is maxed out?
As mentioned earlier, if your credit card issuer has a hidden limit, then you can use the over-limit limit for small consumption. However, there are several things that must be noted. Even if the bank allows you to swipe your card over the limit, you can't swipe as much as you want. Most banks have set an over-limit range. This amount is about 5%- 10% of the original amount.
In addition, you can't use the over-limit credit card at will after the credit card is maxed out. In other words, if you use an over-limit credit card, you will be charged an over-limit fee, which is 5% of the over-limit part in most banks.
The above is "Can I swipe my credit card if it is maxed out?" . In short, whether a credit card can be swiped after it is maxed out depends mainly on whether your credit card has exceeded the limit. If there is, you can continue to swipe your card with the over-limit amount, but most banks have over-limit amount, which is not for free, so you must think carefully before swiping your card.