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Discussion in 'Credit Talk' started by poiie, Apr 24, 2000.
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As long as you made your payments on time and paid all of the 'over the limit' fees, there should be nothing derogatory reported to the CRAs. Actually you bank probably loves you for generating all of that extra income.
As for your friend, I would suggest getting them off of your account as soon as possible. You don't need 'friends' like that.
I have gone over limit on my card too never late and always pay 100% over min payment... theey refused me a credit limit increase siting the reason as being overlimit
I think you are both right...it may not get reported (though if I'm a creditor, I'm looking carefully at credit limit and high credit notations...), but you gotta' know they are keeping track of it for other decisions...
It also seems more and more cards are now using that as another reason to jack up your interest rate...