Say yes more. You’ve got the power to use your Card beyond its credit limit^‡ with Expanded Buying Power. There are no over-limit fees, no enrollment steps to take and you even earn points on purchases above your credit limit. It’s really just as simple as paying the minimum due each month, which will include any amount you spend over your credit limit. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.