I cannot speak for no one but myself but I have the Cap 1 Signature Visa and I have went over my limit several time I usually do not keep a balance but my CL is $10,000 and while out of the country I was able to charge to over $15,500 but when bill arrives over limit amt must be pd with minimum payment. (This is my account ) I have had the card a 1yr and my credit scores are all in the mid 700 's. I started out with $5,000 and after 6months was auto increased to $10,000 hope this helps, may be it is done on a case by case based on how you handle your acct like my Amex does! Check with the Rep maybe they can give you better insite on your individual acct!
