I was wondering what happens when you put too much voltage across a one of those low voltage multilayer ceramic capacitors. I took a 2.2uF 10V X7R in 1206 package, and applied 95V across it and nothing exciting happened. Leakage settled to 0.5uA after 2 minutes. Even after disconnecting for 1 minute the terminal voltage was around 60V+. The only thing I noticed was capacitance had dropped from 2.30uF to 1.85uF (at 0 VDC bias) after the test. However heating the capacitor with a soldering iron tip for a second , had restored it to its original 2.30uF.
So what bad things are suppose to happen when you exceed the 10V spec. ?