Credit card maxed out means that the amount of credit card used is higher than the original amount. Because many credit cards have an invisible limit, which is 10% higher than the original limit, it is possible to maximize it. So, will the credit card explosion affect the cardholder's credit information? Does the explosion of credit cards have an impact on credit reporting? Generally speaking, only overdue will affect the borrower's credit information. If the credit card is maxed out, it will not affect personal credit, but it will affect other aspects, mainly including these: (1) If the credit card is maxed out frequently, it will face great difficulties and may be reduced in the future. Because the bank will think that you are short of money and your repayment ability is limited. (2) After the credit card is maxed out, the bank will charge the excess fee, and the credit card can't be repaid in installments, so it can only be repaid in one lump sum, which undoubtedly increases the repayment pressure of the borrower. In short, it is not a good behavior to swipe your credit card. When using credit cards, you must spend rationally and do what you can, otherwise you will eventually be hurt by excessive overdraft.