Over credit limit – MoneySavingExpert.com Forums


Hi everyone,

This morning I paid off my credit card balance so that I could use it to purchase something. However, I have logged onto my account and it’s saying I have gone over my credit limit. The balance payment went through successfully but isn’t showing up in my account but the purchase payment is.

I’m only over the limit by 76p but I am worried that I will be charged or this or it will impact my credit score even though I cleared the balance before making the purchase.

Can anyone offer any advice on this? Shall I call the company to explain and ask them to waive the fee and leave it off my report?

I’ve had the card for 8 months and this is the first time this has happened, I’ve always paid it off in full every month.

Thank you!


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