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Over the Limit

February 11th, 2011 at 02:00 am

DH got a phone call from one of our credit card company telling him that we went over the limit and that he should make a payment right away. I just paid the last statement for this card at the start of the month but most of the charges in it didn't account for our recent expenses which included over $1,000 on insurances and another 1K for the new shower and base and around 2K for the skylight, ventilation and other materials that we have been charging like crazy lately. This card only got a $4,000 limit, that's why it went over. DH paid 1K last night hopefully that would be enough until we get the next statement to be paid at the start of next month. I'm just hoping they haven't slugged us a fee for going over the limit. We have never done this before, this was rare for us to be spending this much on credit card. We normally average on this card around $1,500-2,000 a month, this is the card that we use most often. The only other card that we use for purchasing is AMEX. We also have a Citibank but we tend to use this one as a debit card, we always have extra money in it.

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Did some digging around the garden this morning and found about 2kgs of potatoes and some garlic. This should help a bit with grocery this month.

2 Responses to “Over the Limit”

  1. mjrube94 Says:
    1297391749

    If they sock you with the fee, definitely call up and ask them if they would consider reversing it. (Explain that you've been a good customer that's never done this before, and it was just a timing thing associated with the expense of the bathroom remodel). Usually they'll credit you back for the fees one time. It's worth a shot...

  2. Jerry Says:
    1297455374

    I agree with mrjube94... it's always worth asking, and it may well lead to a reversal. Especially if you have a good track record with them, and you can point out that you were paying insurance and a bunch of other stuff at once. Good luck!
    Jerry

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