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Have You Ever Gone Over Your Credit Limit?


Spectra Spectra 9 years
Nope. We have a $10,000 limit, so it'd be VERY hard to go over it!
Maribug Maribug 9 years
Wow, I'm certainly in the minority, never having had a credit card.. I've got a VISA, but it's a debit card, and that's all I need.. Don't see the need for a credit card, really, and it's not very common among younger people here (I'm 21). Or, well, I guess I could see the use in certain cases, but nothing that is relevant for me yet.
Mesayme Mesayme 9 years
I'm having a hard time feeling like a bad person when the government is bailing out companies with top notch accountants overdrawn by billions. I did pretty good going over a $200 credit limit... I'm like big deal!! :D
Mesayme Mesayme 9 years
Gone over and got another credit card to pay the bill. I used to panic big time and never thought things through when I first got on my own.
hithatsmybike hithatsmybike 9 years
yes! -- but it was totally by accident and only by something like 30-cents. I had just assumed my payment had already gone through from the previous month so I thought the balance was clear, but I guess the mail was slow that week!
rabidmoon rabidmoon 9 years
Back in the day I did from time to time but I managed to work my way out of credit and debt entirely and I never plan to revisit it. These days I am a happy renter, and 100% paid for, and that's just how I like it, especially in this screwy global economy.
amers230 amers230 9 years
i came within about 100 dollars of my limit my senior year of college. i had used my card for my study abroad program that summer, because it was waaay more money than i thought it would be, but when i came home i hadn't taken into consideration that i wouldn't be getting a real paycheck for close to a month after getting home. between buying books for school and moving back into my apartment, i totally used up whatever i had left on my card. my limit was only $3500 but it was enough for me, i'm still paying it off (even though the experience was worth it) and haven't charged anything in six months. i cannot wait to pay off this last $700 that i owe!
Hootie Hootie 9 years
glam-sugar glam-sugar 9 years
GinaSnyder GinaSnyder 9 years
Oh, college. I do not miss those days.
hex913 hex913 9 years
I have gone over my credit limit but only twice.
mlen mlen 9 years
my limits are ridiculously high so as lovely said, if i ever go over that i have a big problem!
neonjelly neonjelly 9 years
yes with my first card. i've vowed never to go over my limit again.
cmd0610 cmd0610 9 years
Yes but only by $50 and it was by total accident bc we bought a new iMac and I thought the charge would go through after the statement closed but Apple was fast to charge me, they refunded me the over-age fee bc I'm have impeccable record with them otherwise
Lovely_1 Lovely_1 9 years
haha well my credit limit is $12,500 so I think there would be something wrong with me if I went over that :P
RosaDilia RosaDilia 9 years
Yes, and what a nightmare it was to pay off the card. I've since been good because I only use one major card for all credit purchases. It makes it easier to manage and pay off every time I make a purchase.
ilanac13 ilanac13 9 years
years and year ago when i first had credit cards i wasn't nearly as responsible and i hate to say it but yes. now i am really good about it and i've managed to pay things down enough so that i don't go over them.
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