Over target? Just curious: does going over your limit show up on your credit

Just curious: does going over your limit show up on your credit report? If so, is it counted as a derogatory item?

If they report it, it will report as a giant balance, that would show you be overlimit. It will definately hurt your scores through high-ranking utilization. As for your credit, if you apply for credit and an underwriter looks over your reports, it's there to see.

As for that creditor and others, anyone overlimit "may" get you rate jacked and/or credit constrict decreased by any of the creditors.

Pay it down as brisk as possible. That may work in your favor if you plan to ask for goodwill surrounded by waiving the overlimit fees, lowering the interest vertebrae down if they do rate jack you.

no it does not show
the credit reports shows that you have made your payments.
it does not show fee amounts IE: minimum of maximum.
The report simply confirms that you are capable of re-paying the loaned amount.

Answers: Going overlimit can hurt you 2 ways.

1. It affects your utilization ratio which make up 30% of your score. and...
2. It can hurt your likelihood of getting a line increase beside some credit card companies, not to mention that they could jack up your interest rate to boot.

It's not considered a derogatory item like a charge bad or delinquency, but it does skew the data of what your credit report really is. Let's say-so that you're paying on time, but you're overlimit. While it's great that you're making the payments, you're still at or over your utilitzation ratio. The best bet is to maintain it at 30% or below (preferably below).

You could try to avoid going over your limit by paying currency for part of the transaction and charging the rest or by splitting the purchase over two cards. Have you requested that the credit card company tilt your credit limit? I charged a computer to my credit card and nearly maxed it out and it shows that amount as my "high" even though I've have an increase in credit curb and have ALWAYS rewarded off my card in-full and in good time.

It does show up, and if affects your credit score, but it isn't considered derragatory resembling being over 30 days behind. It's best to stay under 40 or 50% of your available credit. If you do shift over your limit you will probablky be charged a $35.00 over time limit fee. If you do not foot it off forthwith you will get bugged by the company and they may bring to the fore your interest rate to default rate. If you jump over more than once in a great while, the company might put on a pedestal your rate. It also may affect your ability to get hold of additional credit.