I didn't even know you could go over the limit. I thought it would just decline the card.
I was under that impression as well.
You have to call the card issuer and "opt in" to that feature.
Otherwise they love it when you go A) over the limit on CC, or B) under the limit on debits - also known as OVERDRAWN -
because they love those $30 fees.
Call them and opt in and you will get declined if your purchase would go over the credit limit or under your debit balance.
This post was edited on 8/9 at 12:36 pm