Is going over your credit limit just as bad as making a late payment?

by marsmet461
Question by turbo_shagwell: Is going over your credit limit just as bad as making a late payment?
I always pay my husband and my credit card payments on time. However, because both are close to the credit limit, a few times they have gone over the limit by a little bit because of the monthly finance charges. Does this hurt your credit score as much as making a late payment? My husband doesn't seem to think so, but I DO. We just tried to get a loan and they said we had

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