It�s that time of year again� you may need to increase your credit limit during the holidays. From November 16, 2015 through January 31, 2016, as a PSCU member in good standing, you may go over your line of credit by 15%. Please contact any PSCU representative for more details.  However, going over limit IS REPORTED on a credit report and can negatively impact your credit score. With the increased line of credit, your payment will automatically adjust according to your balance. Payment is based on $30 per thousand.