How much can I exceed my credit limit?

How much you can exceed your credit limit mainly depends on the credit card issuer's terms and conditions. Over-limit protection is a benefit that some credit issuers offer. This mitigates, but does not eliminate, the risk of temporarily exceeding your limit.

How do I go over my credit limit?

Opt into your issuer’s overlimit feature. Some issuers allow you to go over your limit by agreeing to associated fees should your purchases exceed your limit. Use a card with a flexible credit limit. Sometimes called a charge card, flexible spending cards allow you to go over your limit with no fees on a case-by-case basis.

Can a credit card go over your credit limit?

Use a card with a flexible credit limit. Sometimes called a charge card, flexible spending cards allow you to go over your limit with no fees on a case-by-case basis. Even if your purchase goes through, your credit score can drop once your balance is reported to the three credit bureaus and you’re near or over your credit limit.