I recently had wisdom teeth removed, and charged the max amount on my CareCredit, the rest elsewhere. Forgot I had opted into the credit protection program, so they next day they added 8$ and some change putting me over limit. Can I expect this overlimit to stay on my record, and hinder me from obtaining CLIs or anything in the future?
The report finally updated today on EX at a zero balance, but it definitely hurt the score for a solid month. Went up 33 points when it updated, just waiting on a few other cards I used to pay some bills last month to update as well. At 8% UTI aggregate on EX now, but it should drop down a bit lower.
I did that a few months ago on my Amazon card... and a tiny interest charge put me over my CL by $3... reported on my credit as such. Paid it off the next month and saw the "number of accounts over CL - 0" message.
Haven't seen any other ill effects from it... scores or otherwise.
I didn't end up seeing anything negative, since I paid it in full prior to it reporting again. Only the boost from UTI dropping and not having a card over CL anymore. I hope they don't internally ding me too much, I'm coming up on 6 months with them, and would like a decent little CLI since I use the card for all the dental work needed lately.
Thanks for the info!