Exceed credit limit on a credit card by a lot?
827769
You would be charged an over the limit fee every single month you were above 3K... I hope you can pay it off fast, otherwise you are going to pay alot of finance charges. I don't think they can "punish" you though... just charge you and maybe close your account to new purchases.
1096792
Yes they can.  They check to make sure that you're not overdrawn and owe them more money.
763069
You can alway go to a bank and get a secured credit card. This is one where you put a certain amount in security on deposit, and this is what your credit limit is. When you eastablish your credit worthiness, say in a year, then you can get your deposit back and get a regular one. Once you establish credit, you'll have more pre approved offers for credit cards in the mail  than you know what to do with.
740180
$4000 isnt that much....Care One Credit Counseling. and cut up your cards!
1007792
if you have alot of credit cards then close a couple... too much credit is just as bad as not enough credit.....      if you only have a few credit cards then keep them open.......  it raises your fico score....
796294
I have a Amex Black with no limit. \n\nMy freind bought a home for 600k with his.  \n\nHe does it all the time. \n\nOf course he doesn't carry the balances long, either do I. \n\n40k limit should be no problem if you have a really good income...\n\n\nHere s a good article about credit cards: http://www.expert-credit-advice.com/credit_card_expert.htm
356395
Very slowly. First get a credit report from expeirian and see what you owe and what ccjs etc you have got.\n\nThen pay the money you owe.\n\nThen go to all the banks and try to get a bottom of the pile credit card with almost no limit.\n\nkeep spending on the card and keep it up to date on payments and your credit limit will rise slowly\n\nThen after so long your credit score will rise and hey presto your on your way.
720703
tell whoever that you have the best credit card in the world with unlimited credit and watch what happens
511870
Pay your bills on time, don't use more than 25% of limits on cards/charge accounts, don't apply for a lot of credit (inquiries). Be consistent, and it will move up.
133397
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.
737998
Yeah, you have a lot of credit available to you.  If you were to max em all in one month you might find it hard to make all the payments.
1116851
Pay down the credit cards, and cancel them.  The interest rate is TOO HIGH.
663554
I think I can solve the puzzle of the 2,000 bill.  Those nice folks at the credit card company like to raise your credit limit "as a favor to you" when you happen to go over your current limit.  You most likely didn't notice that you had reached your limit, and the next think you know you are $2000 in the hole.  \n\nAnd for that gift of an increased credit limit, they probably also jacked up your interest rate as a penalty for going over your limit. \n\nStill wanna ask if you were scammed?
478619
Doesn't everyone have loads of credit cards these days?! I mean they are so easy to get hold of. Every week I get something in the post inviting me to sign up for some new low interest credit card! I think they're terrible because they are so difficult to control!! I had a MasterCard when I opened my student bank account in case of emergencies. i wanted a really low limit so I went for one with a £250 limit on. Now less than four years later despite never having asked for the limit to be increased it is now £2000! That ridiculous. How could any normal person ever pay that off? Especially with the 12.5% interest rates. They just increase your limit all the time to encourage you to get into more debt. Not only that but credit cards seriously over charge if you go over your limit - up to £25 even if you go over by a pound!
1137400
from one credit to junkie to what may be another, save yourself! cut up your cards, all but one. if you make minimum payments, a 5000 card turns into a 30 year, almost 25000 debt, a huge profit for the card company. Please don't get more! \nIf you really need more credit, there are numerous places to apply on the Internet. just answer a few surveys and then you get a few free gifts as well as an application. Best of luck to you.
1178450
Call your credit card company and discuss this with them.  Can't hurt to ask.
295240
I tell my newly qualified staff this trick.\n   Get as many cards as you can from reputable sources. Use a few that you pay off on a regular basis.\n  After time all the companies consult the credit lists and see who has defaulted.\n  each year you may be approached to increase your limit. Do it.  But dont abuse it.\n  Soon you will have a bucket load of credit facility.\n    So when you eventually need to get a really serious loan..eg...house car, your credit rating will be exceptional.