A credit card is linked to the cardholder's fixed bank account. After using the credit card for consumption, the amount will be deducted from the bank card on a fixed date each month to repay the credit card. This is the entire process of using a credit card. According to relevant regulations of the central bank, banks can control the maximum limit of credit card swiping consumption at 110% of the original limit. For example: If you have a credit card with a credit limit of ten thousand yuan, then your credit card may allow you to directly swipe up to eleven thousand yuan.