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Swiping your Credit Card above Credit Limit, any experience?
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widget
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 Jul 11 2008, 01:31 AM
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QUOTE(tinkerbel @ Jul 11 2008, 01:25 AM) @temptation1314, I was to undergo a surgery and had wanted to use my Citibank CC to pay the bill but unfortunately as I oredi had used some $ for the month, I didn't have sufficient CL. I did call up for a temporary increase [i thought going for surgery would be considered an emergency] but nevertheless was declined. That's a very bad customer-relation from them. One reason why I always ask for permanent CL increase although I always settle the full amt every month as u might never know when u might need it.  |
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Jul 11 2008, 01:40 AM
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QUOTE(tinkerbel @ Jul 11 2008, 01:35 AM) @widget, As the surgery was unplanned, I didn't keep sufficient 'credit' in my CC to make sure I had sufficient $ to make payment unless Citibank gave me a temporary increase in CL. Unfortunately, due to this personal experience of mine, I never believed in requesting for increase in CL. In the past, I've also asked for a permanent increase in CL but was rejected, twice! I no longer bother about the increase in CL cause I'd given up Last time with HSBC, they rejected my request to have my Visa CL increase, but they were willing to increase the CL (combined CL) provided I take their MC as well. Took the MC but cancel it before the annual fee period yet managed to keep the higher CL. Sometimes also need to play around with them. |
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Jul 11 2008, 02:48 PM
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QUOTE(tinkerbel @ Jul 11 2008, 10:06 AM) @widget, I was oredi holding both Visa & MasterCard with Citibank hence there were no other options; unless I re-applied for a different category card or got another card from another bank. I c.... No other options lor! But a bit leceh to apply from another bank or request for upgrades. Now I've decided only to hold 1 card from a particular bank, so currently Visa Gold fr Citibank and DA Plat. Citibank was kind enough to give me 1 yr free AirAsia Gold MC with different CL than my Visa. After 1 year, just treminate this card This post has been edited by widget: Jul 11 2008, 02:53 PM |
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