When is it you actually over the credit card limit??

Pkman

Is it pending? Post on transaction? Or on statement date? 

MorningcoffeeIV

When your transactions take you over the limit.

Some will allow you to rectify within the same day.

Mark_d

Suppose you have a credit limit of £3000.  You have £2900 of posted transactions and £150 of pending transactions.

Then technically you're not over the limit until your pending transactions have posted...but if you attempt to make further transactions then you might get an "over limit" message.

MrFrugalFever

Mark_d said:

Suppose you have a credit limit of £3000.  You have £2900 of posted transactions and £150 of pending transactions.

Then technically you're not over the limit until your pending transactions have posted...but if you attempt to make further transactions then you might get an "over limit" message.

You are over the limit, the credit card company will not retract the payment requested by the merchant as the consumer would have already received the goods, the time it takes to post/clear is just semantics.

Do not go over you limit at any time and you'll not be in breach of your terms and conditions.

born_again

Once they have debited your account.