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Can I spend over my Card's credit limit?

If you have a personal or small business (OPEN) Credit Card, we may approve you temporarily to spend more than your credit limit, based on your credit profile and spending habits. There is no fee for going over your credit limit. However, if you spend above your limit, the Minimum Payment Due on your Card will increase, per your Cardmember Agreement.

If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible. In fact, unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your online account or mobile app. Learn more by visiting the No Preset Spending Limit page.

If you have a Corporate Card, an over-limit approval depends upon your company's policy, as well as the current credit profile and historical spending habits associated with the account. For more information on your company's policy, please contact your company's Program Administrator.