Help Desk FAQ

Credit Cards


What happens if I go over my credit limit?

If you want the option to exceed your credit card limit, you must opt-in to (allow) over-limit fees. If you don’t, a transaction that would put you over your credit limit would be declined. If the card issuer allows it to go through even though you haven’t opted-in, it can’t charge you an over-limit fee.

If you do opt-in to over-limit fees, your card issuer can assess only one over-limit fee per billing cycle that you exceed your credit limit. You can opt-out at any time.



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Consumer Help Desk