Credit cards, and over the limit.?

Question

Is there any way to overdraft my card, I mean like if I'm already over balance, and need 20 dollars, is there anyway I can get it?? for a fee of course?

Answer 1

Prolly not, call the bank and ask them to raise your limit. I'm sorry but it sounds like you are not very responsible with money. Get rid of the cards, get a second job and get them paid off, your credit is being destroyed by this.

Answer 2

you have to call the card company and ask them to up your limit.

they will probably turn you down though if you are over your balance often.

Answer 3

It's an absolutely TERRIBLE idea to do this.

You MAY be able to, because credit card companies LOVE people like you who go over the limit- because they can charge you HUGE fees.  You will also be wrecking your credit, so remember that if you want to buy a house, car or rent an apartment in the future, because this is getting harder and harder to do, even with GREAT credit.  In real life, you are not solving your money problem by getting $20 out when you will be over your limit, you are making yor money problem worse.  You're also asking the wrong people for the answer to your question, showing an increadable lack of financial IQ.  

My suggestion is NOT to take out the $20 if it will put you over the limit.  A limit is a line at which your credit card company TRUSTS you, and if you exceed it, they will not trust you again any time soon, and raise your limit.  Additionally, your $20 withdrawl may wind up costing you $40 or $50.  So satisfying yourself today will mean that you are in even deeper trouble tomorrow, and how will you fix that???

Remember that credit cards are a privlage, not a right.  If you mis use them, you will be punished by high fees and lack of extention of more credit.  Whatever you buy on a credit card had better be worth the interest you pay- for instance, if you go out and buy $20 worth of beer, and pee it all out that night and the next morning, and you wind up paying the credit card company $30 back for their loan to you of $20... was that worth it?  Probably not.

I'm going to suggest something now that I know you will not do.  

Read this book: "Increase your Financial IQ" by Robert Kiyosaki.  

I know you won't read it because abusers of credit cards are looking for a fast answer with no effort.  

Ask yourself this question: What kind of money problem would I rather have?  Not enough money, or too much money?  If you answer is "too much", then read the book.  Here's a link so you don't even have to do any work to find it.  This is a link to copies of the book used and cheap.  Don't make an excuse, get out of financial trouble.  

http://www.amazon.com/gp/offer-listing/0...

FYI- the answer below me with the loan info- it's equally as bad of an idea for you.  High interest rate on this loan, and if you are out of money now, how are you going to pay ANOTHER loan back.  A credit card IS a loan.  Further debt will NOT SOLVE YOUR PROBLEM.  In fact, giving more money to people who do not understand how to handle it only INCREASES their problems.