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However, emergencies do happen. If your balance approaches your credit limit, stop using your credit card at once. If you go over, do everything you can to pay your balance down as soon as possible. Many credit card companies will let you go over your limit, but the interest rates they will charge you will be exorbitant, and the fact that you exceeded your balance may be reflected in your credit report. Another essential step is always paying all of your bills on time.