After further review, the call on the field stands, with the addition of:

I think your credit limit check is wrong. This:
Code:
if (balance > creditLimit)
   cout << "\nCredit Limit not exceeded!\n";
 else
   cout << "\nCredit Limit exceeded!\n";
should be:

Code:
if (balance < creditLimit)
   cout << "\nCredit Limit not exceeded!\n";
 else
   cout << "\nCredit Limit exceeded!\n";