Chase charged me 39 for over credit card limit! If i am over the limit, shouldn't them decline payment when i buy stuff? (Credit card N00bs)
They should really, yes. But some small transactions (say $50) are automatically authorised without going into great detail checking your account (believe it or not).
here is what happened. my limit is 500. I have around 150 debt on the card. I spent 100 on clothing on Nov 26. They didn't post it so i have 350 credit line left. than i spend 300 more on Dec 2. so i have 450 debt And they post that 100 from Nov 26 today and push it over the limit! and i just pay yesterday. If i pay one day before i would have advoid that charge...