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Established Member
Posts: 24
Registered: ‎09-25-2012
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Does "Over limit" hurt?

I have three secured cards and two of them have been over their limit by $6 & $11 once. Is this hurting my score?

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Registered: ‎02-19-2012
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Re: Does "Over limit" hurt?

bump 


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Registered: ‎08-04-2007
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Re: Does "Over limit" hurt?

Yep. If you don't have anything reporting over the limit, like a CO CC, or any current and active CC, and you take a CC over the CL and reports that way, you'll see a ding. IME, it was 10-20. YMMV on your credit. The damage completely goes away once the balance goes back in check. The 10-20 is aside from any util changes, IME.

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