Will I get charged for going over the CC limit?

I have a CC that I just basically maxed out without going over the limit but was real close. I want to know if when they calculate the interests on the debt with that put me over the limit on the card which will then trigger them to charge me a fee for going over the limit? I know I should not do this but I have a check coming in a couple of months that will clear the debt completely so no worries there. Thanks in advance

Jemster wrote:
longtimelurker wrote:
Jemster wrote:
It depends on the terms on the card. Most of them have an over the limit fee. The will charge interest on your statement date which is usually a couple days after your due date. I would pay as much as I can by the due date. No, since the CARD act, they DON'T have over the limit fees, unless you opt in. (If you don't, charges over the CL can be denied). So you should be fine.Sorry to give out wrong info. I think I'll stop posting from now on. There is absolutely no reason for you to stop posting. We all have once upon a time posted wrong info so there isn't any shame in doing so. The point of the forum is to learn and not everyone is aware of the provisions of the Card Act, myself included.

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If you have unlimited texting, then you should not be charged... your friends may be if they do not, however.

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CandyredApples wrote:
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iTunes in the Cloud is not yet available for all stores: http://support.apple.com/kb/HT5085?viewlocale=en_US&locale=en_US
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Will Going Over The Credit Limit One Time Hurt Score Long Term?

I have a flexible spending Chase Sapphire preferred card that has a limit of $7000. I don't know when, but according to my credit report it shows that my high balance at one point in time was at $11k - I'm guessing this was several several months ago if not over a year. I don't ever keep my balance that high, and I'm sure it was only at that balance for 24-48 hours, and Chase just happened to report to the CB's the day the balance was that high (lucky me). Currently my balance is really low , around $150. I usually keep the balance at less than $500 at any one time (and if it goes over that, I pay it down several times a month just in case). Anyway, my lender told me that if I raised my credit limit to around $15k (or at least higher than the $11k balance it had at one time), it would raise my score considerably because it would show that I never went above the limit. So I called Chase, and luckily I was able to get the limit raised to about $13k. I was pre-approved for it, so they did not need to run my credit (good news I guess). My question is - should I expect a score increase just because the one time high blaance of $11k is now under my new $13k limit (instead of over the $7k limit it had). I thought I knew a lot about how credit scores worked, but this is new to me. Is the lender blowing smoke or is this actually a normal thing to expect? Thx

CH-7-Rebuilding wrote:
Do you see that smoke in the air? Yep, your lender has no idea what they are talking about. Lots of people have signature cards that have, say, a 5K limit, and might have a 20K high credit. That is what a signature card is for! You just have to pay off the amount over the credit limit when the bill comes in. That high credit amount above the limit had no effect on your FICO score. The raising of the limit might impact your score if it lowers your current utilization, but otherwise it should not matter as far as FICO. It will help getting higher limits with other lenders, though. bingo! many of us move limits or have been CLD during the crunch and have "high balance" many times greater than our CL. lender is a dummy.

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Got charged for going over in Texts even though I only used 3000/5000

At the end of last month, I started texting a lot more than normal. Knowing that I had the 500 text plan I figured it would be a good idea to bump it up to the 5000 text plan on 7/31 figuring that they would just charge the extra $10 to my bill and I would be OK since when I got this phone the sales lady said that if I noticed that I was going to exceed the limit I could just change to the higher plans whenever I want.
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In the future, either change your plan on the date that your billing cycle begins or call into CS and ask them to either A) schedule the change for the first day of your billing cycle or B) backdate the plan to the start of the current billing cycle. Those are the only methods to avoid pro-rated charges. If you complain, Verizon may refund up to 50% of the overages you incurred, but since you made the plan change without asking for backdating, you agreed to the pro-rating. There's really not a whole lot Verizon is going to do for you.

HT1529 The black band which connect the screen and the keyboard of my mac air is broken. Will it get fixed for free by the apple company? I wonder because I bought this computer for only 6 months!

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You're welcome

Charged for broadband over usage but still below l...

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Cheesed-off (paul)

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How do you get charge for visual voicemail?

After reading a couple of post and being completely confused by them I tried an experiment. I turn airplane mode on and then proceed to check my voicemail from earlier.
The voicemail played without me connecting to AT$T. So this verifies that the actual voicemail is someone being pushed over to your phone. WHich explains why you can now play the voicemail in any order. (it's like playing songs like your ipod basically)
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NOw if number is true then that would suck.
Can someone verify if this is true

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Will I get charged for going over the CC limit?

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