Mark Towers, WalletHub Credit Card Analyst
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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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