32 Credit Card Mistakes That Any American Does


Thanks to the Credit CARD Act of 2009, card issuers can no longer process charges that put you above your credit limit — they’ll simply deny the charge. But you can still opt in to allow charges beyond a credit limit: possibly $25 the first time you exceed your credit limit and up to $35 if you if you go over again within six months. A fee cannot be larger than the amount by which you exceeded your credit limit.

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