The short answer
This is a legitimate charge from Over Limit Fee.
What is an Over Limit Fee?
An OVER LIMIT FEE appears on your credit card or bank statement when your total outstanding account balance exceeds the maximum credit limit established by your issuing bank. Instead of declining an over-budget transaction at the point of sale, certain financial institutions permit the purchase to process and apply this penalty charge directly to your monthly statement.
This Over Limit Fee assessment typically happens when account holders have previously opted into optional over-limit coverage features through their mobile banking app or cardholder agreement. Consumer protection regulations require financial institutions to obtain explicit prior consent before approving transactions that surpass the assigned credit ceiling and assessing associated fees.
To review and resolve this charge, check your billing history and card settings to determine whether over-limit protection is active. You can contact customer service to request a courtesy fee waiver if this is your first occurrence, or permanently disable the feature to ensure future transactions that exceed your limit are immediately declined. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Consent and Credit Impact
In many jurisdictions, banks cannot charge this fee unless you have explicitly opted into an over-limit facility.
Fees are often calculated as a percentage of the over-limit amount or as a flat rate. Consistently exceeding your limit damages your credit score.
- Step 1 Review your credit card terms or banking app settings to see if you accidentally enabled the over-limit facility.
- Step 2 If you did not opt-in, contact your bank to dispute the fee, as the transaction should have been declined.
How can I prevent this from happening again?
Set up push notifications or SMS alerts for when your balance reaches 80% or 90% of your credit limit.
Dispute Rights & Fraud Prevention
You retain the right to dispute unauthorized penalty fees or improper billing practices under federal consumer protection laws. If your bank enrolled you in over-limit services without your knowledge or explicit consent, file a formal complaint with the Consumer Financial Protection Bureau.
Frequently asked questions
Is the OVER LIMIT FEE charge legitimate?
If you authorized a payment to Over Limit Fee, then yes. This is the statement descriptor used by Over Limit Fee. Over Limit Fee
Independent reference — not affiliated with Over Limit Fee. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov
Reviewed Aug 5, 2026 · low · About UnknownCharges