{"id":12595,"date":"2025-02-04T23:32:08","date_gmt":"2025-02-05T04:32:08","guid":{"rendered":"https:\/\/myratecompass.ca\/blog\/?p=12595"},"modified":"2025-02-04T23:32:49","modified_gmt":"2025-02-05T04:32:49","slug":"can-you-go-over-your-credit-card-limit","status":"publish","type":"post","link":"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/","title":{"rendered":"Can You Go Over Your Credit Card Limit?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy counter-decimal ez-toc-grey\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/#How_Do_Credit_Card_Limits_Work\" title=\"How Do Credit Card Limits Work?\">How Do Credit Card Limits Work?<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/#What_Happens_If_You_Exceed_Your_Credit_Limit\" title=\"What Happens If You Exceed Your Credit Limit? \">What Happens If You Exceed Your Credit Limit? <\/a><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/#Why_Does_Going_Over_The_Credit_Card_Limit_Affect_Your_Credit_Score\" title=\"Why Does Going Over The Credit Card Limit Affect Your Credit Score?\">Why Does Going Over The Credit Card Limit Affect Your Credit Score?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/#How_To_Avoid_Going_Over_Your_Credit_Card_Limit\" title=\"How To Avoid Going Over Your Credit Card Limit\">How To Avoid Going Over Your Credit Card Limit<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/#What_To_Do_If_You_Go_Over_Your_Credit_Card_Limit\" title=\"What To Do If You Go Over Your Credit Card Limit\">What To Do If You Go Over Your Credit Card Limit<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/#How_To_Get_A_Higher_Credit_Limit_To_Avoid_Exceeding_It\" title=\"How To Get A Higher Credit Limit To Avoid Exceeding It\">How To Get A Higher Credit Limit To Avoid Exceeding It<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/#Final_Thoughts\" title=\"Final Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">4<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12595\" class=\"elementor elementor-12595\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a29607 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a29607\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-efc01a3\" data-id=\"efc01a3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90081df elementor-widget elementor-widget-text-editor\" data-id=\"90081df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Have you ever wondered if you can go over your credit card limit?<b> It depends<\/b>. Sometimes you can go slightly over your limit. Other times, your card will decline if you attempt to make a purchase that will put you over your credit limit.\u00a0<\/p><p>Whether you\u2019re facing an unexpected expense or want to make a big purchase on credit, it\u2019s important to understand the implications of exceeding your credit card limit. In this article, we unpack how credit card limits work, what happens when you go over the limit, and how to manage your credit card to ensure you don\u2019t exceed the limit.\u00a0<\/p><p>If you\u2019re ready to learn how credit card limits work and how to avoid exceeding them, we\u2019ve got you covered!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05e9330 elementor-widget elementor-widget-heading\" data-id=\"05e9330\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"How_Do_Credit_Card_Limits_Work\"><\/span><b>How Do Credit Card Limits Work?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e4053d elementor-widget elementor-widget-text-editor\" data-id=\"8e4053d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Credit limits are the <b>maximum amount of money you can charge on your credit card<\/b>. This limit is determined by your credit history, income, and overall creditworthiness. The more exclusive a credit card, the higher your credit limit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d50d6d8 elementor-widget elementor-widget-heading\" data-id=\"d50d6d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"What_Happens_If_You_Exceed_Your_Credit_Limit\"><\/span><b>What Happens If You Exceed Your Credit Limit? <\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62b5e6e elementor-widget elementor-widget-text-editor\" data-id=\"62b5e6e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It\u2019s generally never a good idea to overcharge or exceed the limits of your credit card, and if you do so, you could face several drawbacks:<\/p><ul><li><b>Denied transactions<\/b>: In most cases, a large purchase that puts you over the credit limit will be denied. This can lead to potentially embarrassing situations.<\/li><li>\u00a0<\/li><li><b>Fees: <\/b>If you max out your credit card, you may pay an over-the-limit fee. You generally do not pay higher fees than the amount you exceeded your limit, and the first fee is generally <a href=\"https:\/\/www.investopedia.com\/terms\/o\/overlimit-fee.asp\" target=\"_blank\" rel=\"nofollow noopener\">not more than $27<\/a>. For the most part, over-the-limit fees are not common.<\/li><li>\u00a0<\/li><li><b>Penalties<\/b>: If you repeatedly go over the limit, you may pay higher interest rates, get a reduced credit limit, get an earlier payment due date, or have your card cancelled altogether.<\/li><li>\u00a0<\/li><li><b>Lowered credit score<\/b>: Perhaps worst of all, exceeding your credit limit can negatively impact your credit score and finances long-term.<\/li><li>\u00a0<\/li><\/ul><p>Overall, it\u2019s <b>better to avoid going over your credit card limit<\/b> rather than deal with the consequences afterwards.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8da4f59 elementor-widget elementor-widget-heading\" data-id=\"8da4f59\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Why_Does_Going_Over_The_Credit_Card_Limit_Affect_Your_Credit_Score\"><\/span><b>Why Does Going Over The Credit Card Limit Affect Your Credit Score?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e4e799 elementor-widget elementor-widget-text-editor\" data-id=\"8e4e799\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Your credit score is commonly used as a measure of creditworthiness and can determine whether or not you get a loan or mortgage agreement later on. Therefore, it\u2019s vital to avoid any negative changes to your score.\u00a0<\/p><p>But why does going over your credit limit limit affect your credit score? It has to do with <b>credit utilization.<\/b>\u00a0<\/p><p>Your <b>credit utilization rate<\/b> is the ratio of how much credit you have compared to how much credit you use. The less credit you use, the more reliable you seem to lenders. If you rely too heavily on credit, it can be seen as a risk to lenders and can lead to a higher chance of defaulting on your payments.\u00a0<\/p><p>If you regularly exceed your credit limit, you are using much more credit than is considered safe. This then pushes up your credit utilization and lowers your credit score.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b62d83 elementor-widget elementor-widget-heading\" data-id=\"0b62d83\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"How_To_Avoid_Going_Over_Your_Credit_Card_Limit\"><\/span><b>How To Avoid Going Over Your Credit Card Limit<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d96dae elementor-widget elementor-widget-text-editor\" data-id=\"0d96dae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Here are some tips to help you stay within your credit card limit:<\/p><ul><li><b>Monitor your spending<\/b>: Regularly review your credit card transactions to ensure you know your current balance and available credit. Many <a href=\"https:\/\/myratecompass.ca\/blog\/information-centre\/canadian-bank-customer-service\/\">credit card issuers<\/a> provide online or mobile banking platforms that make it easy to track your spending.<\/li><li>\u00a0<\/li><li><b>Set a budget<\/b>: Establish a monthly budget that includes your credit card expenses. This will help you plan your spending and ensure you don&#8217;t exceed your credit card limit.<\/li><li>\u00a0<\/li><li><b>Avoid impulse purchases<\/b>: Impulse purchases can quickly add up and push you over your credit card limit.<\/li><li>\u00a0<\/li><li><b>Aim to keep your credit utilization ratio below 30%<\/b>: This is the recommended ratio to keep your credit score at optimal levels. <\/li><li>\u00a0<\/li><li><b>Pay your balance in full<\/b>: This will prevent you from going over your credit card limit and help you avoid paying interest on your purchases.<\/li><li>\u00a0<\/li><\/ul><p><b>Set up a balance alert<\/b>: This will warn you if you&#8217;re close to exceeding your credit limit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a341a60 elementor-widget elementor-widget-heading\" data-id=\"a341a60\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"What_To_Do_If_You_Go_Over_Your_Credit_Card_Limit\"><\/span><b>What To Do If You Go Over Your Credit Card Limit<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a404e5 elementor-widget elementor-widget-text-editor\" data-id=\"9a404e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If, despite your best attempts, you manage to go over your credit card limit &#8211; don\u2019t panic. Follow the following steps to minimize the damage to your credit score:<\/p><ul><li><b>Contact your credit card issuer<\/b>: Reach out to your credit card issuer and explain the situation. They may be willing to waive the over-limit fee or work out a payment plan with you.<\/li><li>\u00a0<\/li><li><b>Make a payment as soon as possible<\/b>: If you have the means to do so, make a payment to reduce your credit card balance as soon as possible. This will help bring your credit utilization ratio back within a manageable range.<\/li><li>\u00a0<\/li><li><b>Create a repayment plan<\/b>: If you&#8217;re unable to pay off the excess balance immediately, create a repayment plan to gradually pay it off. This will help you avoid incurring additional fees and penalties.<\/li><li>\u00a0<\/li><li><b>Negotiate for a higher credit limit:<\/b> You may be able to negotiate with your credit card issuer to increase your credit limit <b>temporarily<\/b>. Call your customer support and explain the situation, highlight previous responsible credit behaviour, and offer to provide additional information if needed. <\/li><li>\u00a0<\/li><\/ul><p>While it\u2019s ideal to avoid this situation, knowing what to do if you do exceed your limit can be helpful to mitigate the worst of the consequences of maxing out your credit card.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-919d52a elementor-widget elementor-widget-heading\" data-id=\"919d52a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"How_To_Get_A_Higher_Credit_Limit_To_Avoid_Exceeding_It\"><\/span><b>How To Get A Higher Credit Limit To Avoid Exceeding It<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65b27f6 elementor-widget elementor-widget-text-editor\" data-id=\"65b27f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you find yourself frequently approaching or exceeding your credit card limit, it may be time to explore options for increasing your credit card limit. Here are a few potential options:<\/p><ul><li><b>Request a limit increase<\/b>: Rather than settle for a temporary increase, try to negotiate for a permanent limit increase. Ensure your payment history, income and creditworthiness will justify such a change.<\/li><li>\u00a0<\/li><li><b>Apply for a new credit card<\/b>: If your credit card issuer is unwilling to increase your credit limit, consider applying for a new credit card with a higher limit. However, be cautious when applying for new credit, as it can temporarily lower your credit score.<\/li><li>\u00a0<\/li><\/ul><p><b>Pay down your balances<\/b>: By consistently <a href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/how-to-pay-your-credit-cards-with-different-canadian-banks\/\">paying down your credit card<\/a> balances and demonstrating responsible credit behaviour, you may become eligible for a credit limit increase over time.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c6bae elementor-widget elementor-widget-heading\" data-id=\"c7c6bae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span><b>Final Thoughts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cd0c29 elementor-widget elementor-widget-text-editor\" data-id=\"6cd0c29\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>While it is possible to exceed your credit card limit, we highly recommend not doing this. There are several steps you can take to ensure you stay well within your credit card limits, such as setting up balance alerts, sticking to a budget, and setting a strict limit on impulse purchases.\u00a0<\/p><p>Exceeding your credit card limit can hurt your credit score, which can get in the way of your long-term financial goals. So remember to stay vigilant, and if you think you\u2019re going to exceed your credit card limit, use another payment method instead. Good luck!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p><span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">4<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span> Have you ever wondered if you can go over your credit card limit? It depends. Sometimes you can go slightly over your limit. Other times, your card will decline if you attempt to make a purchase that will put you over your credit limit.\u00a0 Whether you\u2019re facing an unexpected expense or want to make a&hellip; <a class=\"more-link\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/can-you-go-over-your-credit-card-limit\/\">Continue reading <span class=\"screen-reader-text\">Can You Go Over Your Credit Card Limit?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":12600,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[1],"tags":[21],"class_list":["post-12595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-creditcards","tag-blog-post-template-1-main-template-to-use","entry"],"aioseo_notices":[],"featured_image_urls":{"full":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-scaled.jpg",924,616,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-300x200.jpg",300,200,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-768x512.jpg",750,500,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-1024x683.jpg",750,500,true],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-1536x1024.jpg",924,616,true],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-2048x1365.jpg",924,616,true],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-1568x1045.jpg",924,616,true],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-375x250.jpg",375,250,true]},"post_excerpt_stackable":"<p>Table of Contents How Do Credit Card Limits Work?What Happens If You Exceed Your Credit Limit? Why Does Going Over The Credit Card Limit Affect Your Credit Score?How To Avoid Going Over Your Credit Card LimitWhat To Do If You Go Over Your Credit Card LimitHow To Get A Higher Credit Limit To Avoid Exceeding ItFinal Thoughts Reading Time: 4 Min Have you ever wondered if you can go over your credit card limit? It depends. Sometimes you can go slightly over your limit. Other times, your card will decline if you attempt to make a purchase that will put&hellip;<\/p>\n","category_list":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/creditcards\/\" rel=\"category tag\">Credit Cards<\/a>","author_info":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/admin\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-scaled.jpg",924,616,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-300x200.jpg",300,200,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-768x512.jpg",750,500,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-1024x683.jpg",750,500,true],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-1536x1024.jpg",924,616,true],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-2048x1365.jpg",924,616,true],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-1568x1045.jpg",924,616,true],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-375x250.jpg",375,250,true]},"post_excerpt_stackable_v2":"<p>Table of Contents How Do Credit Card Limits Work?What Happens If You Exceed Your Credit Limit? Why Does Going Over The Credit Card Limit Affect Your Credit Score?How To Avoid Going Over Your Credit Card LimitWhat To Do If You Go Over Your Credit Card LimitHow To Get A Higher Credit Limit To Avoid Exceeding ItFinal Thoughts Reading Time: 4 Min Have you ever wondered if you can go over your credit card limit? It depends. Sometimes you can go slightly over your limit. Other times, your card will decline if you attempt to make a purchase that will put&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/creditcards\/\" rel=\"category tag\">Credit Cards<\/a>","author_info_v2":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/admin\/"},"comments_num_v2":"0 comments","jetpack_featured_media_url":"https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/Can-You-Go-Over-Your-Credit-Card-Limit-scaled.jpg","_links":{"self":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/12595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/comments?post=12595"}],"version-history":[{"count":8,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/12595\/revisions"}],"predecessor-version":[{"id":14563,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/12595\/revisions\/14563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media\/12600"}],"wp:attachment":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media?parent=12595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/categories?post=12595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/tags?post=12595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}