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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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I agreed to allow my card issuer to charge an overlimit fee if I exceed my credit limit. I needed to make a purchase that would have put me over my credit limit and was prepared to pay the overlimit fee, but the card issuer refused to authorize the charge. Can they do that?

Card issuers generally reserve the right to refuse to authorize transactions that exceed your credit limit, even if you have agreed to allow the issuer to charge overlimit fees.

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