The Mercury Credit Card doesn’t have an over-limit fee. But the issuer doesn’t usually allow you to spend more than your credit limit, anyway. In case you are allowed, though, the amount you exceeded your limit with will have to be paid back immediately.
Going over your credit limit isn’t a good idea, as it can damage your credit score. Instead, pay your bills on time and stay well below your credit limit so you’ll eventually qualify for an automatic credit limit increase.
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