If I go over my credit limit and they ask that I pay the overage can I just keep making my usual small payment?

I can’t afford to pay the full amount of my overage so I am hoping to be able to continue making my $35 monthly payment until the overage is paid down and then keep paying it down. It’s a very low limit card I had to use for an emergency. Will I start getting collection calls? There don’t appear to be any fees but worried about collectors as I’ve never had a credit issue in the past.

Barry A

If you go over the limit, you owe the overage plus the minimum payment. If you continue making the low payment , the additional interest rates and fines will make the balance grow.


The bill should tell you what minimum payment they will accept. This minimum should include interest and fees, plus a tiny portion of the balance. If you only pay the minimum, it will take years to pay off your debt.



Casey Y

There will be fees and if over the limit...they aren't going to me ok with your previous minimum payment... As your balance increases, the minimum tends to increase as well...


There are usually fees. But you should not be going over your limit or carrying a balance month to month. Its a ripoff.


Once you go over your credit limit, they usually want that portion right away and then your minimum payment on the due date. If you do not take care of this immediately, you will take quite a hit on your credit score and sometimes close your account. You are in pretty bad shape if you can't pay any more than the minimum and it't time to take a long look at the way you are managing your money. $35 plus a bit more shouldn't break you and where is your savings account? Even if you put away $5 a week you would have some sort of cushion.



Jerry S

probably not, your bill should state the minimum amount due.


The minimum payment is on your bill. I've had overages before, and it didn't increase the minimum payment amount. It was the same as always. So just make sure you pay at least the minimum, and there won't be any problems.