A few Points
You have to agree to Overlimit Fee or they can not charge an overlimit fee. Agreeing to this is a scam since they can choose to accept or deny the charge whether you agree to the fee or not.
There is no record of going over the limit in your CR so, it does not matter even if you let the balance report. Of course your utilization will be high for that time, but again no records of that either.
The fact that a high balance is over the current CL does not mean that you were ever overlimit. CL go up and down over time.
