I over charge may credit card by mistake I paid it back plus some asap but im afraid it will still affect my credit score how can fix this (will talking to the company help any)
When you said you over charged, did you mean you go over the credit line or you mean you charge your credit card more frequently?
If you went over your credit limit twice in any 12 billing cycles, you'll pay the default rate normally at 32.24%. Your credit score mostly bases on your payment history. You may have to re-establish your payment history at least in 6 months before the credit card company reviews your credit.
Next time, enroll yourself into their website so you can keep an eye on your credit line. All of the information about your charges should be up to the minute online. |
