Chase Credit Line?? Over limit access

[FireMedic1]

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@SouthJamaica wrote:

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@FireMedic1 wrote:

Still a newb per say. Wouldnt this fall under the "NPSL" situation? If Chase list it as this on reports as such? Then no harm if its paid on the next statement? Like my Venture and QS WEMC reports?

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1. You can NOT rely on that.

2. You don't want overlimit on your report.

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ok

[Anonymous]

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@Anonymous wrote:
Hey MyFICO members. I am a new memeber but long lurker,

I have a question about my Marriott chase card with a 15500 limit. I need to make some urgent vendor payments before I'm sued for $22,000. Would chase approve my $22000 transaction? I know it is credit line vs credit limit, I will have the 7500 to pay the over limit at the end of the month specifically the 29th.

Should I make $11000, 11000 in two transactions, or should I try charging $22000 in 1? I called chase to ask them and they said a computer approve or deny the transaction overlimit not a human. I just need to pay over limit by the due date.

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Sorry to hear. Talk to the vendor about making payments over time. Many businesses will do this for PERSONAL accounts, and as long as you pay, they can't sue or go to collections. If it is business related, I can't help. But I'd recommend asking for a payment plan as well. Then you might have 12 months at no interest (or low interest instead of a 15% or more CC interest.

[UncleB]

The one time I can recall somebody on here reporting going massively over the credit line with a Chase card his account ended up being closed, but he was fine with that (and was even somewhat expecting it).

That said, I definitely wouldn't recommend this 'experiment' if you really want/need to keep the account.

Just my 2¢.

[Creditplz]

Yeah I remember that post, his CL was around 11k and charged 26k?. They closed his account and his credit tanked OP..

[CreditCuriosity]

i remember that post as well although he did some really fishy stuff IMO to get over that CL by quite .a bit.. He charged something like up to the CL then several charges declined then diedmany other chages of several k each to get him over the CL meaning alot of smaller charges or something like that beyond after he went over his CL to get where he wanted to go.. I believe it was also on a  0% freedom if I am not mistaken and he just wanted to carry a 0 APR balance for along time and knew the consequencs of what he did and was fine with it.