CHARLOTTE, N.C. — The Tampa Bay Buccaneers are starting to look and talk like a legitimate playoff contender.

The Bucs had to work a little extra to keep their playoff surge alive Sunday. Josh Freeman threw a 15-yard touchdown pass to Dallas Clark in overtime to cap the Buccaneers’ 27-21 comeback victory over the Carolina Panthers.

It was Freeman’s third touchdown pass of the game for the Bucs (6-4), who have won five of their last six to pull into playoff contention.

But rather than celebrating their dramatic victory, Clark talked afterward about learning from it.

“We learned a lesson today that we can’t just show up and win a game,” Clark said. “I hope guys will get it. We’re lucky it’s not a loss. I hope we go back and look at the film and say, ‘Hey we didn’t play well.’ Sure, we played well enough to make some plays to win at the end, but to get where we want to go, that’s not good enough football.”

The Panthers (2-8) would love to have a victory any way they can get it.

Carolina has lost seven of its last eight. The Panthers held a fourth-quarter lead in five of their last six defeats before fading in the final seconds.

“It’s been the story of our season,” said Cam Newton, who threw for 252 yards and a touchdown to fall to 8-18 as an NFL starter.

When asked where this loss ranked among this season’s disappointments, Newton snapped, “I’m not answering no more questions about where this one ranks.”

Carolina appeared to have the game in hand when Newton connected on a 29-yard touchdown strike to Brandon LaFell to go up 21-10 with 6:00 left in regulation.

But after a 40-yard field goal by Connor Barth, the Panthers’ offense couldn’t put the game away and had to punt.

Freeman led the Bucs 80 yards on seven plays in 50 seconds, despite not having any timeouts. Along the way, the Bucs benefited from a personal foul penalty on linebacker Thomas Davis for hitting a defenseless receiver.

Freeman finished the drive with a perfectly thrown 24-yard touchdown pass to Vincent Jackson between three defenders with 12 seconds left. He went back to Jackson for a 2-point conversion on a slant route to send it into overtime.

In overtime, the Bucs won the coin toss and moved quickly down the field with Freeman finding an open Clark on a wheel route along the left sideline for the winner.

Freeman said it was a play the Bucs worked on all week and he’s glad that was the call.

“When we got to overtime we stepped into the huddle and everybody was ready to go and we started talking like, ‘Hey let’s just execute one play at a time and do our jobs and try to get out of this thing with a touchdown,”’ Freeman said.

The Bucs came in as one of the hottest teams in the league, having scored an average of 35.6 points per game during the past five games. Freeman had thrown 13 touchdown passes and only one interception in those games.

But after Tampa Bay jumped to a 10-0 lead the Panthers’ defense shut them down for most of the remaining three quarters, forcing three turnovers. A 74-yard interception return for a touchdown by Captain Munnerlyn and a key fumble by rookie Doug Martin on a fourth-and goal at the 1-yard line loomed large.

Trailing 14-10, the Bucs appeared ready to take the lead after driving 15 plays to the Carolina 1.

But on fourth down, Coach Greg Schiano went for the touchdown instead of the field goal and linebacker Davis plowed into Martin, forcing the ball out near the goal line. Fellow linebacker Luke Kuechly, the team’s first-round draft pick, recovered in the end zone for a touchback.

Officials reviewed the play to see if Martin got in, but the call stood.

The Panthers seized the momentum when Newton led the team 80 yards for a score to build a 21-10 lead.

But once again, the Panthers couldn’t finish.

Second-year Coach Ron Rivera said the game was all about missed opportunities.

“This is about as bad as it gets,” he said. “The bad part is when you have opportunities to close someone out with a four-minute offense, but you can’t take negative plays. That’s a tough one.”

Sports, Pages 16 on 11/19/2012