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I may need to go over the credit limit on my credit card to fund unexpected living expenses as a result of COVID-19. Will I have to pay over-limit fees?

Your bank may consider increasing your credit limit or waiving your fees. Contact your bank to explain your specific situation to request a credit limit increase or a fee waiver. Banks, however, are not required to increase your credit limit or waive your fees.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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