BoysMum, I too went over the cl many years ago(I've had 2 cards for over 8 years each). It resulted not only in the OL fee, putting me up to the default interest rate of 29.99%, but also Cap1 froze my future cl's for 5 full years!
One time when I was talking to an acct. specialist, she told me that going over the limit, or being late will kill your ability to get a cli for a lonnnnggggggg time. I believe her.
But sticking it out, paying on time, my cl which started out at $300 is now $3,200 with the permanent deletion of the AF and the monthly fee.
"Never ever, ever be late. Never" (FUTR)