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Citi® Identity Theft Solutions

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Outstanding Balance

The total amount that you owe on a credit card or other loan.

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Over the Credit Limit

When the amount you owe is more than the limit on your credit line. Any combination of purchases, cash advances, fees or interest charges may cause you to exceed your credit limit. For example, you will be over the credit limit if you spend $2,000 when you have $1,000 of your credit line left.

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A charge imposed for exceeding the assigned credit limit.

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