re: able to spend past limit on credit card. what's going on?

quote:

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If you're still in good standing, request a credit limit increase. By taking your account over or close to the limit, you're likely hurting your credit score

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He's definitely killing his credit score keeping the card maxed out. If this is his only card, maxing it out will have his score pretty low. If they do a hard inquiry for his credit limit increase, they may deny it because of that. If he's had the card for a while and not missed any payments, I don't know why they haven't given him an automatic credit limit increase.