Jamie Thompson, WalletHub Analyst
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You may be able to go over your Union Plus Credit Card credit limit, but it is up to the issuer whether any charges that exceed your limit are approved. There is no way to opt in to go over your Union Plus Credit Card credit limit.
Here is what you need to know about going over your Union Plus Credit Card credit limit:
- You cannot opt in to go over your Union Plus Credit Card credit limit.
- It is up to the issuer whether any transactions that go over your credit limit are approved. Capital One’s eligibility criteria are not disclosed publicly, but in some cases, they may decline a transaction that causes you to go over your limit, due to factors such as late payments and having just opened your account.
- Each transaction is approved individually and there is no fixed amount you can go over your limit.
- There are no overlimit fees, so you won’t have to worry about extra costs if you are allowed to go over your limit.
Keep in mind that going over your credit limit or maxing out your credit card has the potential to hurt your credit score. Ideally you should aim for a credit utilization below 30%.
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