Good Morning All,

Say you only have 1 credit card and wanted to go on a holiday
the air ticket for 3 cost roughly RM6k, but your credit limit is only RM4k
surely that transaction cannot proceed, right?

how can you make that transaction without going to the bank and requesting them to permanently increase your credit limit?
i got to know that increasing one's credit limit will take 3-4 business days and you'll need to submit your payslip in order to get approval

they've increased from RM3k to RM4k... average i swipe between RM800 to RM2k

so i just need to call and let them know my purchase so it won't reject the transaction?

HSBC...

increase temporarily for that transaction only right?

i personally have only one card, my parents gave me a supplementary one, i never used that...

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Added on July 5, 2008, 12:34 pminteresting... i only have HSBC credit card accounts, which account do i do the top up? go to the branch or just deposit cash in the machine?

but like this also crap... i have also my monthly swipes at the petrol kiosk, means i have to top up quite a lot in addition to my monthly usage?

if that's the case... i'll give HSBC a call then, see how i can get this around

This post has been edited by kenji1903: Jul 5 2008, 12:34 PM

thanks everyone for their very helpful replies

hmm... seems i don't have much choice, huh?
sorry, didn't manage to call the CS today, maybe tomorrow...
cos i just want to increase my credit limit for that single transaction... the last time i called the CS, she only said i can increase it permanently... maybe she didn't get my point...

> famous
why 3k+3k and not 4k+2k since my credit limit is 4k?
the merchant machine is smart enough to accumulate both transactions together and consider it as a single transaction?

> tinkerbel
personal experience with CitiBank? fee charged based on a certain % of the amount exceeding the credit limit? or a fixed rate?

> David83
so its something like half credit card, half debit card right?

your dad how old?

if i'm the credit card company, i'd trust someone who's 46 rather than 26