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@CreditBob wrote:The problem is not only have you maxed out but are now over the limit which will have a negative impact on your fico score. This will impact the score until the high balance falls off your credit report which may only happen seven years after you pay the balance below the credit line of $ 2,000.00
@tcham54687 wrote:My experience over the last 3 months has been very different. I went over the limit on my 2 credit cards with NFCU and my USAA credit card. The CL on each of them was automatically raised above my high balance, I didn't request it. Of course shortly after that happened I found this forum and will never get that high on my balances again. Granted, I've had those cards for close to 20 years, so that was probably some goodwill being displayed. I'm sure this was more the exception than the norm.