Maria Adams, Credit Cards Moderator
You generally can’t go over your credit card limit, but that ultimately depends on the credit card you have. For instance, some issuers enable cardholders to opt in to exceed their credit limit. In turn, cardholders are charged a fee for each over-limit purchase, which couldn’t exceed the amount by which they went over.
Even though you didn't opt in to go over your credit limit, sometimes an over-limit purchase might process. A hotel booking is one possible example. But that’s never guaranteed to happen. So, if you make a purchase that goes over and it happens to still get processed, you won’t be penalized. But keep in mind that going over your credit limit or even maxing out your credit card will negatively affect your credit.
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Bob Maloney, MSFS, AEP, MSFS, AEP
Assuming you have reasonably good credit and the need to exceed your credit card limit, your best bet is to call the credit card company and see if you can get the line increased before you make any credit application or attempt to charge something and get rejected. Nothing is written in stone but the key to your request is going to be your credit report and if it's bad, you may strike out but there's no way of knowing without trying. If you're talking about day-to-day run-of-the-mill expenses, you may get rejected but if you talking about a specific purchase that the bank or credit card company can view ahead of any approval, you may will have a chance. No guarantees. Hope this helps a little and good luck
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