What is Over-Limit Fee?
Credit Card Glossary · Updated April 2026
A fee charged when your balance exceeds your credit limit. Under the CARD Act, issuers can only charge this fee if you've opted in to allow transactions that exceed your credit limit. Many issuers have eliminated this fee.
Frequently asked questions
What is Over-Limit Fee?⌄
A fee charged when your balance exceeds your credit limit.
What does Over-Limit Fee mean on a credit card?⌄
A fee charged when your balance exceeds your credit limit. Under the CARD Act, issuers can only charge this fee if you've opted in to allow transactions that exceed your credit limit. Many issuers have eliminated this fee.
What terms are related to Over-Limit Fee?⌄
Closely related concepts include Credit Limit. Each of these helps clarify different aspects of the same topic.
Where does Over-Limit Fee apply?⌄
Over-Limit Fee is a fees concept. It typically appears in the context of fees, APR, and how much a card costs to carry.
More fees terms
Full glossary
Browse all 90 credit card terms