Credit limit $500, need $100 what do I do?

Question

Ok, so I have a credit limit of $500, and my dog was sick she had to go to the vet and have emergency surgery so that was EXPENSIVE, so I have $187.00 left on my credit limit, sadly I need 275.00 to pay my tuition for college because Chase Student Loans wants to take their sweet time. I will be able to pay the balance off this Friday. Will I be able to go that $100 over. I have a BB&T Student Platinum Credit Card (Visa). If I dont pay my tuition I dont get to start school....PLEASE HELP!!!

i have not had my credit card long enough to get the limit changed.

Answer 1

Unfortunately cards with such a small line usually will not allow you to exceed the credit line. On top of that they will tack on a fee if you do somehow go over. (usually due to interest)

Your best bet would be to call the bank and see if they can increase the credit line just enough so that you can cover tuition and get the payment made.

Answer 2

No, you won't be able to exceed the credit limit by $100 - a few dollars, yes, but not that much.

If you'll have cash on Friday, can't you wait to pay the tuition then? At that time, go in and let them charge $187 to your credit card, and pay the difference in cash.

You could call your credit card company and ask for a credit limit increase, but normally these things don't happen quickly. Maybe if you tell them your circumstances, they can expedite it - but I wouldn't hold my breath.

Answer 3

Back when I was caught in the Credit Card trap, I just use the card. When I go over the limit, I think, at the time, they charged $10 for being over and next month up my limit. As long as you pay your bills they not mind making more money.
You can probably call the number on your card and ask what the Overcharge Fee.

Answer 4

You could call your credit card company and ask for the credit limit to be changed.

Answer 5

a job