As we all know, in layman’s terms, a credit card’s credit limit is used up or is about to be used up. Generally, a card is considered empty if less than 10% of the credit limit remains. There are dangers that cannot be ignored if the card is empty for a long time. The card will be blocked for a long time and may even affect the credit card approval and limit of other banks. So, can an empty credit card be overdrafted? Can I overdraw an empty credit card? You can also overdraft when your credit card limit is used up, but the overdraft limit is limited. Generally, after people use up their credit card limit, they can still overdraft 10% of the limit. The 10% of the overdraft limit is actually the hidden limit of the credit card. But when people use this 10% overdraft limit, they need to pay an over-limit fee. The over-limit fee is 10% of the overdraft limit used. It should be noted that the cardholder's overdraft behavior refers to the cumulative use of credit limit in a billing cycle exceeding the credit limit approved by the card issuer. Some bank credit cards provide cardholders with the service of over-limit credit card swiping. They can swipe the card in excess of the original limit by a certain percentage, but over-limit fees will be charged.