Does maxing out your credit card lower your credit limit in time?

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Mark Towers, WalletHub Credit Card Analyst

@MarkTowers • 07/24/19 This answer was first published on 08/01/18 and it was last updated on 07/24/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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If your credit limit was lowered after maxing out your card, the best course of action is to contact the credit card company directly to see what's going on. Maybe they lowered your limit for maxing out your card. The number's on the back of your card.

If you pay your credit card balance entirely before the due date, the credit card company views it as an on-time credit card payment and you should have available credit on that card immediately, in most cases.

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