When more money has been charged on a credit card than is available as credit, the credit card is overlimit.
Issuers cannot charge overlimit fees unless they have offered consumers the option of having a fixed credit limitthat cannot be exceeded.
A credit card overlimit fee is charged when you exceed your credit limit, even if it's because of fees orinterest.
When more money has been charged on a credit card than is available as credit, thecredit card is overlimit.