While searching for the right credit card, you should pay attention to the associated fees credit card issuers charge for late fees, balance transfer fees, and over-the-limit fees.
We all make mistakes, and knowing how much you’ll be charged if you go beyond your credit line is important, as it varies between card issuers. The list below details the typical “over the limit fees” by card issuer. Note that some credit card fees will vary, and are subject to change.
Advanta: $15 to $39 based on balance
American DreamCard: $39
American Express: $35
Bank of America Credit Cards: Based on your balance as of the day the fee is assessed - $15 if $500 or less; $29 if between $500.01 and $1000; $39 if over $1000.
Capital One: Your “over-the-credit-limit fee” will be based on the amount of your credit limit at the time the fee is applied. Credit limit of $0 - $499.99 = $19 fee; credit limit of $500 - $999.99 = $29 fee; credit limits of $1,000 or more = $39 fee.
Chase: $39
Citi: $39
Discover: $15 on balances up to $500, and $39 on balances over $500.
First Bank of Delaware: $30
First Bank of Omaha: $35
First Premier: $25
GM Credit Cards: $35
HSBC: $35
Imagine Credit Card: $35
New Millennium Bank Cards: $20
Orchard Bank: $30
Plains Commerce Bank Total Visa Credit Cards: $25
Pulaski Bank Credit Cards: $35
Purpose Money Credit Cards: $35
Simmons First National Bank Cards: $29
