Karen Moroz, WalletHub Mortgage Analyst
@nycKaren
The Capital One over-the-limit fee is $0. Capital One no longer charges over-limit fees for credit card transactions that exceed a cardholder’s credit limit. More often than not, a charge that goes over a Capital One credit card limit won’t even be processed, but it can occasionally happen for charges that involve holds on the account. And if Capital One does process an overlimit transaction, no over-the-limit fee will be charged. Legally, card issuers aren’t allowed to charge over-the-limit fees unless a cardholder specifically allows the bank to process overlimit charges.
Capital One used to allow customers to opt-in for over-limit transactions, but they did away with that feature for new credit cards in 2017, and have since stopped offering it for older cards as well. Previously, if a cardholder opted in to the program, Capital One would process the overlimit transaction, and a fee would be assessed per overlimit charge.

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@costas_gavras
In theory you can be hit with a Capital One over limit fee as high as $25 per occurrence, but starting with the Credit Card Act of 2009 you must actively opt in to over-limit coverage and the fees that come with it.
So, you shouldn't be afraid of maxing out your card. Other than the negative effect it will have on your credit score and credit utilization, maxing out will not come with hefty fees unless you ask for those.
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