Does Going Over My Credit Limit Affect My Credit Score? (Experian)

Although it’s possible to go over your credit card’s limit, it’s not recommended when you want to create and preserve excellent credit scores. Exceeding that limit affects your credit utilization ratio, which measures how much of your available revolving credit you’re using. To keep your credit scores high, your credit utilization should stay low.

Technically, a credit limit[1] is the maximum amount you can charge on a credit card. But you can go over that limit in some circumstances. If you do, prepare for repercussions[2], including a lower credit score and credit card fees. Then take action to repair the damage and avoid going over in the future.

Going Over Your Credit Limit May Affect Your Credit Score

Credit utilization is one of the top two influential factors in the most commonly used consumer credit scoring models—those from FICO® and VantageScore®[3]. These scoring models consider both overall credit utilization—how much of your total available credit you’re using—and utilization per credit card, which is the percentage of available credit you’re using on a single card, when determining your credit scores.

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