How much can is use over limit on a credit card?
How much can is use over limit on a credit card? Any approved transactions above your credit limit are subject to over-the-limit (or over-limit) fees. This credit card fee is typically up to $35, but it can't be greater than the amount you spend over your limit. So if you spend $20 over your limit, the fee can't exceed $20.
What happens if you use over 90% of the credit limit on a credit card?
If you've got a $1,000 limit and spend $900 a month on your card, a 90% credit utilization ratio could ding your credit score.