Most credit card companies will let you go over your card limit a certain amount. They will usually alert you by text or email when you have gone over your credit card limit. Many credit card companies will charge you a fee if you go over your limit and you don’t pay back the balance when your next payment is due.
Some credit card companies let you get over credit limit protection. This allows you to make occasional over-the-limit purchases. If you don’t opt for over-credit limit protection, your transaction will be declined by most companies.