experts; i have a situation here, i applied a Citibank Platinum VISA & Platinum Reward card with a very specific requirement of getting a high credit limit.
But after i got the card, the limit is just 54k. Ok thats fine and all, so i called customer service and they said i can't increase limit and have to wait 6 months first.
Now, the reason why i even applied this card is to swipe an 80k+ item. Can I make a 40k CC Payment from my Maybank to Citibank when I don't owe any money to citibank credit card?
The purpose of that is to push my total available balance to 94k. (means actual limit 54k, and I transfer 40k from Maybank to Citibank as CC payment)
Will it work? Anything to be wary of?
I'm asking because i know my own Maybank don't allow me to "pay" into my CC account when i don't owe anything. So I was hoping Citibank will have different regulations regarding this...
*ps - I swear to god i'll cancel this card after i got their promo item as well, i feel ashamed just to be associated with anything Citibank related, their service is just rubbish, and even that's an understatement.
If you are willing to transfer RM40K cash to your Citibank, why not just swipe RM54K (your total credit limit) and pay with cash from your Maybank account for the remaining amount? Otherwise some retail shops may also allow you to combine 2 credit cards and pay the RM80k+? I am sure you have credit card from another bank right?