MICHAEL BATTLE, Credit Card Gamer
@mikebattle
There is no Chase Freedom Unlimited over the limit fee, normally, because Chase’s default policy is to not allow cardholders to spend more than their credit limit. But that could change if a cardholder “opts in” to spend above their limit. If a cardholder opts in, Chase will charge $25 the first time their Freedom Unlimited card’s balance goes over the credit limit. The fee may increase to as much as $35 for any additional over the limit transactions within the following 6 months.
It’s best to avoid transactions that come anywhere close to going over your credit limit. The amount of credit you use affects your credit score. The general rule of thumb is to maintain a utilization ratio of less than 30%, not just for your Freedom Unlimited card, but for all of your credit cards.

Chase Freedom Unlimited®
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