What do you mean the credit card is maxed out?
Your credit card has been overdrawn, which means that your available limit has been used up. If the bank doesn't give you a line, you can't use this credit card until you repay it. For example, if your credit card limit is100000, you can brush100000 to zero.
What happens when the credit card is maxed out?
1. Credit cards are always maxed out. There are many cases, and banks will think that you are always short of money, which is likely to reduce your credit card limit. Of course, if you repay on time after each overdraft, the bank will re-evaluate your quota and leave a deep impression on the bank, then in this case, there will be a good result, that is, the bank will think that your quota is not enough, thus increasing your quota.
2. If the cardholder often has such neat numbers as 5000, 10000, 20000, then you become the target of the bank, and the bank has reason to suspect that you are cashing out and there are irregular swipe gestures.
3. China Construction Bank, Bank of Communications, China Merchants Bank and China Everbright Bank do not support credit card exceeding the limit. The credit card off the charts not only reveals that your credit limit is not enough, but also reflects that your financial management ability is not strong, and banks will think that your credit card has a high risk factor.
The above is what the credit card means when it is maxed out, and what will happen when it is maxed out. It can be seen that the posture of credit card swiping is very important. If you swipe your credit card occasionally, it's not very serious. But every time it bursts, it is easy for banks to think that the risk factor is high.