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You'll have to pay a penalty fee, if you go over your credit card limit. Keep in mind that such penalty fee are usually quite high (over $25) and always try to avoid going over your credit limit. You can check all the credit card fees in your credit card contract. If you try to purchase something on your credit card and the purchase exceeds your limit, then 2 things may happen. The first one is the bank declining the transaction, and the second one is the bank allowing the transaction, but charging you the fee.
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