Welcome @PhoenixMan . Sorry about the life event. I'm sure you opt'ed in for OTL. Once you opt'ed in. You gave Citi permission to approve transactions that exceed the card’s limit. Citi simply doesn’t allow cardholders to spend beyond the credit limit. So its costing you dearly to keep practicing this. $25 the first time it occurs. After that, it increases to $35 for every over the limit transaction during the next six billing periods. Plus interest. Its a vicious cycle. If its an income thing. Then try to find ways to increase it or create a budget to cut your costs. Cut the card up. Quit using it. Fees and interest are probably costing you more than whats being charged. Sorry again.
@PhoenixMan wrote:Hi guys,
Long time lurker 1st time posting, with a somewhat odd question.
How much can you go overlimit on your citi credit card?
My CL is 5.6k, I've been over before but barely, $80ish, can you overlimit $500+ as long as you quickly pay it off? I've been slowly building my credit over the years from 500 towards 700, would hate to have card closed, but honestly just trying to figure if it would even work.
It's a terrible option, but I'm in a bit of a pickle and unfortunately this is about my last resort, health issues and such.
Wondering if anyone has ever gone over a nominal amount.
Thx guys
It would be a terrible option if it were an option, but in my opinion it's not an option at all, especially since you would hate to have the card closed.
Probably not much, unfortunately. I currently do not hold a Citi card, and when I did several years ago, I didn't go over the limit, so I have no first-hand experience, but in general, issuers don't let you go very far over the limit. As mentioned above, they may approve one or two transactions over, but they don't let you just keep going. It would defeat the whole purpose of a "limit."
@uncredited wrote:You just don't want to pay to negative balance otherwise you lose rewards.
^^^^ This
A negative balance will lose some rewards, just paying a couple of time will not. 
@Anonymous wrote:
@FireMedic1 wrote:Welcome @PhoenixMan . Sorry about the life event. I'm sure you opt'ed in for OTL. Once you opt'ed in. You gave Citi permission to approve transactions that exceed the card’s limit. Citi simply doesn’t allow cardholders to spend beyond the credit limit. So its costing you dearly to keep practicing this. $25 the first time it occurs. After that, it increases to $35 for every over the limit transaction during the next six billing periods. Plus interest. Its a vicious cycle. If its an income thing. Then try to find ways to increase it or create a budget to cut your costs. Cut the card up. Quit using it. Fees and interest are probably costing you more than whats being charged. Sorry again.
OTL fees from major issuers are very rare since the CARD Act. Issuers can allow OTL without agreeing to fees. Personally I have never had an agreement that offered me the option to opt in to fees.
OP, were you charged for the $80 OTL?
@AnonymousThats what I got when I tried to research it for an answer. Should have known better like these sites also say dont use more than 30% of your CL. 
So I found it right from Citi:
"No over-credit limit fees.
- Pay no over-credit limit fees when you exceed the credit limit on your card.
- Be mindful that any transaction that will cause your balance to exceed your credit limit may be declined and would still be due in full on your next billing statement."
- https://www.citicards.com/cards/wv/copy.do?screenID=1906