 TITLE: Does Going Over My Credit Limit Affect My Credit Score? CONTENT: What Happens When You Go Over Your Credit Limit?\n------------------------------------------------\nDepending on your credit card issuer, going over your credit limit will produce different outcomes. For example:\n*   **Declined transaction**: If you're at or over your limit, you may not be able to complete a purchase with your credit card.\n*   **Increased interest rate**: If you go over your credit limit, the card issuer could begin charging you a much higher annual percentage rate (APR), called a penalty APR or default APR. This higher interest rate will make repaying the debt more difficult because more of your payment will go toward interest.\n*   **Reduced credit accessibility**: Because going over the limit is a sign that you may be in financial trouble, the issuer may pull back by lowering your credit limit or even canceling your account.\nIf your credit card offers over-limit protection and you opt in, you can go over your credit limit with fewer associated troubles. For example, the transactions will go through (up to a set amount, which is determined by the issuer), but likely you'll be charged a fee when you take advantage of it. Being able to go over the limit may be convenient, but it can also get expensive—and it will still hurt your credit. END