<prompt> Human: HelloI was a 396 my limit is 400. A fee I did not know would apply a subcription type of thing charged me and Im now at 428.45. My bill for my CC was on the 28th of July. So even if I get credited back, which wont happen, it wont affect this in a positive way.This is my first bill to pay. Im 18. First CC ever. How bad will this affect me? Did I like, ruin my credit for the next 2 years? I did pay 596 on it, will they see that or take that into effect?  <response>: A lot of credit cards have revolving limits, so you can exceed the limit, but you have to pay the amount in excess of the limit in addition to the minimum payment to ensure that your balance is within the limit. 