Discover Card has never fined me for over my pre-set limit, they just do not let the purchase go thru, the couple of times I have gone over the limit.
I don’t know about other cards, I HAVE BUT NEVER USE..............
That is good then. Just important to make sure it is clear when you set it up. Because they will take advantage of the situation with “overdraft coverage” frame of mind if not. I think the reason is because culture just does not do that much anymore. Everyone is default to try and get the highest limit they can get and max it out rather than limit their own funds available. So card policies are now being implemented to take advantage of this and let you overcharge and then fine for overcharging rather than refuse the purchase.