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High current or high power inrushes are the most damaging and most frequent cause of contact damage. Reed Relays have specified maximum Current, Voltage and Power ratings. The Power figure is simply the product of the voltage across the open contacts before closure and the instantaneous current as they first make.
We at Pickering have lost count of the number of times that we have heard something like “I was only switching 5 volts at 50 milliamps onto this CMOS logic board” when the user has completely disregarded the current inrush into the liberal sprinkling of decoupling capacitors and several micro-Farads of reservoir capacitance on that board.
Do not rely on electronic current limiting of power supplies only, to protect relay contacts. Electronic current limiting takes a finite time to react and there are often decoupling capacitors on the output of a power supply. There is nothing better than resistive current limiting.
As voltages increase for some applications, inrushes can become an even greater issue, for example when discharging cables after high voltage proof testing. The energy stored in a capacitance is equal to ½ CV2 Joules so will increase with the square of voltage. Increasing from 10 volts to 1000 volts will increase the stored energy by 10,000 times.
If you have ever had a relay contact stick closed, only to free with a slight tap, or had a longer than expected release time, more than likely, it is caused by a micro-weld due to a current inrush.