According to the inquiry of China Travel Service. You can overdraw when your credit card is used up. According to the regulations of the central bank, banks can control the maximum credit card spending at 1 10% of the preset credit line, which is equivalent to 10%. Therefore, if the credit card limit is used up, it can still be overdrawn.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.