We are renovating our home and order supplies from Home Depot and charged it on our Citi Bank/Home Depot card. Our credit limit is {$500.00} and we have never wanted to increase it. My score was over XXXX, apparently deciding whether to return or order another XXXX my HD/Citi card went over by {$96.00} around XX/XX/XXXX. My billing cycle is the XXXX of each month. I was n't advised at all from Citi Bank/Home Depot that I was over the credit limit even though I have it listed it on my online alerts to let me know should that happen. I learned by an online alert XXXX XXXX that XXXX of my accounts was over the credit limit. It resulted in my credit score going from XXXX to XXXX along with the negative effect it has by going over your credit limit. I immediately made payments ( see payment information attached ) which should have reflectected by my billing cycle. This overage was n't over 30 days and it was well before my billing cycle. You will see that they still have n't updated the XX/XX/XXXX billing cycle but still reporting over the credit limit. Is n't that the purpose for having the same day each month with the credit card company as your billing cycle to allow you enough time to make any adjustments prior to them reporting on all XXXX of your credit bureaus. I am in the middle of applying for a business loan and the first thing the bank sees is that I am over the credit limit on a {$500.00} credit line. This is painting the wrong picture of my credit worthiness which also is reflected in my payment activity. My wife has worked in the XXXX for 30 years and ca n't believe that Citi would report the overage before the report the payments. Is this their way of charging a higher interest rate? I am hoping to resolve this issue through your site as I have tried on line Chat, email, telephone with no response at all. Please help me before the bank uses this to charge me a hard money rate. 
