QUOTE(Alec.Yong @ Jun 5 2011, 11:57 PM)
I do have experience on this.
Few years ago, my spending reached my CL, however, i m still can use my card up to RM2K, which exceed my CL.
So, i guess it's depending on which bank, not all bank allow this? Luckly that bank didn't charge me overlimit fee..
From personal experience as well, I have swiped above my CL various times with no problems and no overlimit fee (AMEX Gold
Credit Card as well as MBBKard2)
subject to the amount. As I expected to exceed CL, I did telephone AMEX's CS beforehand who informed me that there is usually an allowance of RM1,000 (above the CL granted) for those with good credit/payment records. Once you exceed the aforesaid allowed sum, transactions will be declined.
As an update to my earlier post on "Purchases from Apple Online via CIMB/Direct Access Credit Card" at pg 1 and in the spoiler below, CIMB/DA declined my transaction dispute as well as appeal for waiver of the extra cross border fee charges. Well, once their BT promotion is over and there is no additional incentive, perhaps it's time to cut the card.
» Click to show Spoiler - click again to hide... «
QUOTE(wshoh @ May 23 2011, 03:26 PM)
Purchases from Apple Online via CIMB/Direct Access Credit Card
For information purposes, I as well as other CIMB/DA credit card users have had our accounts charged higher than the amount invoiced by Apple Online (Malaysia, but based in Singapore) - I have filed an official dispute with CIMB/DA and am currently awaiting their response (Refer to
iPad 2 online order status thread).
If no kind soul starts an individual topic as regards this matter soon, I will do so when I find the time.
Without going into the T&Cs of the CIMB/DA credit card agreement, I reason based on the fact that other banks including HSBC, Citibank, MBB, SCB and Alliance (as reported in this thread as well as the iPad thread) only charge the amount as invoiced by Apple Online, CIMB is treating Apple Online transactions very differently, which explains the higher charges.
Will report back on progress of the matter when news/more info is available. If legal methods don't work, I guess there are always extra legal options - Facebook and LYN comes into mind.
*edited* @ronnie Thanks for the additional feedback and also for highlighting it
here. @Gen-X Thanks for your tip.
*UPDATED*
This may explain - but still not very satisfactory. CIMB is the only bank in Malaysia with such a practice then?
This post has been edited by wshoh: Jun 6 2011, 10:02 AM