How bad does a over the limit balance hurt?

[Anonymous]

Just wondering, for some reason, my reports are showing 2 of my credit card balances over their limits even though they were like that for roughly a day.  Now both cards are under 50%   Should i see a good jump when my reports update showing the balances under 50%

[llecs]

I've been caught by surprise before with a couple of CCs reporting OTL. These came after a large, unexpected transaction right at the statement date. IME, I've lost as much as 20 points, but those have returned a month later when the new statement cuts at a lower balance.

[RobertEG]

Check out the "Credit in the News" forum under the post "FICO Damage Points Disclosed by Fair Isaac."

The damage of maxed out cards is specifically listed.