Overlimit Fees & Charges

Barclaycard over limit fees

Simple ways to avoid an over limit fee

Track your balance

Keep track of your credit limit and balance. You can do this anytime in the Barclaycard app or online through Barclaycard online servicing. Or you can contact us.

Monitor your purchases

Review your statement to keep track of your purchases each month. Don’t forget to include any interest charges that may apply.

Minimum payment

If your minimum payment doesn’t take you below your credit limit, you’ll need to pay more to avoid another over limit fee. Two ways that could help are by making additional payments at any time, or by setting up a regular fixed payment. By paying more than the minimum each month, you’ll be able to pay off your balance sooner and pay less interest. See how much you could save with our Repayment Calculator.

Talk to us

If you’re close to your credit limit, you could ask for an increase. Log on or register online through Barclaycard online servicing or contact us and we’ll do what we can to help you.

Barclaycard online servicing

Log in or register to:

  • Make a payment
  • Set up spend alerts
  • Request a credit limit change
  • And manage your account online

Barclaycard app

Manage your account on the move: 

  • Check your balance
  • Review your purchases
  • Make a payment
  • Set up a Direct Debit
Download the Barclaycard app from the App Store Download the Barclaycard app from Google Play