How to Rebuild Your Credit
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What Happens If You Go Over Your Credit Limit?
6 min read
Published August 28, 2025
Key Takeaways
- If you enroll in over-limit protection from your credit card company, you may be able to go over your credit limit.
- Typically, exceeding your credit limit results in an over-limit fee.
- Spending more than your credit limit increases your credit utilization ratio, which may damage your credit score.
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