Credit cards can be swiped if there is no money, for the following reasons:

Credit cards are used for overdraft consumption, and they must be swiped if there is no money;

it's not a credit card if you have money to swipe it.

Credit cards generally do not deposit money, because:

First, there is no interest on saving money.

second, you need to pay a handling fee to withdraw money.

note: no one will deposit money in a credit card.