Over charged my credit card

[Anonymous]

I accidentally over charged my Chase FU credit card today and as soon as i realized, i paid more than that within minutes. 

Will there be a overlimit charge or a credit report on this?

[Anonymous]

A few questions:

1. Is it a "Visa Signature"?
2. Did posted charges take you overlimit, or just pending charges take you overlimit?
3. Was it near or on the statement cut date?

[mkhan1093]

Your payment will probably post before the charge does, so I think your balance will never officially be over the limit. That being said, I think fees for overcharging are becoming less and less popular these days.

[Anonymous]

U should be fine. Signature cards are, as I understand them, "flexible".!
That means that you are able to charge well past your limit and the purchase will still go thru. You will be utilizing over 100% of the limit for that card and I think that mark stays on your credit report as long as the card is open.

This happened with my CSP and my United cards. At one point my balance was $0 and some things just took place in my life and before I knew it, BOTH of the cards were over-maxed. Took me a while and some more extreme changes and I finally managed to pay both balances off to $0! No over the limit fees at all. 

At first, I was really upset that Chase allowed this to happen and did not decline the 1st charge that took me over the limit. Oh well. it's flexible!