If say I have RM10,000 credit card limit, and I need to buy something that is RM15,000, can I "pay" my credit card account RM15,000 and then use the card to buy something that is RM15,000?

Will the transaction be declined outright because the transaction exceeds my limit (RM10,000), or will it go through because the account was credited with RM15,000 beforehand?

This is for CIMB credit card, if that matters.

Update 7/6: Ok all just wanted to provide update that my big purchase that exceeded my credit limit went through, as I've overpaid my account beforehand, this is for CIMB credit card. Thanks all for your feedback and suggestions

This post has been edited by KingArthurVI: Jun 7 2019, 05:15 PM

Nope, can't go through....
You may call the card customer services to ask for temporary limit increase...
They may reject depend on the reason.....
But I never try so don't know as before I manage ask for temporary limit increase, they already increase the limit permenantly....

Can, u pay advance RM5k, so now u got credit balance of 5k, plus your credit limit of RM10k, so, u can go buy RM15k stuff with it

today I baru jer called aeon credit

cannot pay in advance, limit 3k is still 3k, no way to increase it temporary.

this.

Provide that u didnt use the card for something else.

If yes, just topup accordingly.

Limit 10k
Current swipe 2k
Available 8k
So just topup 7k
Available become 15k

Yes can

Can. I called first because it was my first time owning cc 10++ years ago. Didn't know much. The CS even laughed a bit when I asked if I could have my credit increased, if I want to buy plane tix beyond my credit limit before I said I had the fund. She said like what the others said. Top up first and use like usual. So I asked oh like debit card? (Debit card wasn't as norm as like today). She said yes. Transaction approved. The end. Cimb also.

But I think say you have credit limit 15k, and suddenly you swiped rm13k, they would call you for verifying. I didn't get the call. Perhaps they checked I topped up first

This post has been edited by amandamai: Jun 4 2019, 04:21 AM

Yup should be no problem.

If reject try to swipe 2x with split amount

Ohh ok thanks guys I'll try it out and report back with update!

Can

my card has -46k current balance.. but my credit limit still stay the same..



This post has been edited by kons: Jun 4 2019, 11:15 PM

How come you overpaid 46k to your card ?

entered the wrong amount when doing xfer...

4.6k entered 46k

The credit limit should be the same, but what I'm wondering is that during the time of transaction, does the bank's system look at negative balance and credit limit added together, or just the credit limit when determining if the transaction should be approved or not. Making a big purchase next week so we shall see!

What bank? How come available credit limit no increase?

I heard can overpaid using cash deposit machine.

Cannot ask bank refund ? Rugi interest tu

3rd party bank transfer also can.

yeah this should be right.
credit limit will not change, but likely the bank will deduct the negative until it become positive.

Ok all just wanted to provide update that my big purchase that exceeded my credit limit went through, as I've overpaid my account beforehand, this is for CIMB credit card. Thanks all for your feedback and suggestions