I’m about to be charged a hundred or so dollars for my next year, but my settings have me limited to only charging $40 on my card at a time. Are these two things going to interfere with each other?
I think you would be better to ask this question of DreamHost support, as only they can provide a definitive answer.
My guess (and it is only a guess) is that the worse that could happen is for your account balance to go negative.
Couldn’t you just change the credit card limit temporarily in the admin panel, then change it back after the charge goes through?
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