We won't charge you for going over your limit, instead we'll add the amount owed to your minimum payment on the next statement we issue.
We don't think it's fair to charge you a fee for spending over your credit limit on your card but we do recommend bringing your account within your limit as quickly as possible.
Please note being regularly over your limit may affect your credit score.
Text or email alerts when you’re near your credit limit
We'll let you know when you're close to your credit limit. You don’t have to do anything to receive these alerts - just make sure your contact details are up to date.
Alerts are different to marketing – you’ll get alerts even if you’ve opted out of marketing.
What you should do if you go over:
- Get your account back within your limit, either by ensuring that you make the minimum payments on your next statements, or by making an interim payment
- Try to keep an eye on your spending so that you don’t go over your limit again