how much is an over limit fee 
as noted by the card act a credit card company cannot charge you more than the amount you exceeded your limit your card company can also not charge you an over limit fee more than once in one payment cycle if your balance remains over the limit then your card company cannot charge you more than twice consecutively 1as of 2021 the first over limit fee should be no more than 27 and the second fee should be no more than 38 if it occurs within six months of the first 2 that being said since the passing of the card act over limit fees have virtually disappeared for example american express has not charged an over limit fee since 2009 though over limit fees have virtually disappeared there are other penalties that a consumer can incur by constantly exceeding their credit limit these penalties can include increased interest rates a reduction in the credit limit earlier payments higher minimum payments and even a cancellation of the card 