credit card payments

m4rkiz · 26-11-2009, 20:47

anyone can tell me what will happen if i pay some money (aib, online) from my current account to my credit card with balance €0.00 (will that payment be accepted or bounce back, any fees - no word @ aib page about that)

reason for that is i do not use it very often (so i don't want to increase my limit in case of card being abused by some online shop etc.), but when i start my shopping i usually come very close to my credit limit (computer parts, booking flights for quite few lads) so i wonder if i can 'prepay' some money before i start - otherwise i often get hit by over-limit fee and if it keeps showing up on my cc statements that probably wont look too good on my credit history

Toots* · 26-11-2009, 21:14

Yes, you can add extra to your credit card, by 'pre-paying'. It just means that you can increase your spending capacity as you'll have your credit limit, plus whatever extra cash you've added in.

ian_m · 26-11-2009, 21:20

Be advised that the credit card company may not be responsible for money in credit on your credit card account should your card be lost or stolen.

You might want to check that out...

m4rkiz · 26-11-2009, 21:38

Quote:

Originally Posted by ian_m

Be advised that the credit card company may not be responsible for money in credit on your credit card account should your card be lost or stolen.

You might want to check that out...

well, i have no problem with that as i plan to make those payments right before paying and won't store any cash on my cc over longer periods

'UB blocked my CC' story seemed a bit scary, but if it is not a common thing i give it a try

broker2008 · 27-11-2009, 00:11

You can do it with AIB and for that reason above, Idont bank with Ulster Bank.

26-11-2009, 20:47	#1
m4rkiz Registered User Join Date: Jan 2009 Location: Kilkenny Posts: 65 Adverts \| Friends	credit card payments anyone can tell me what will happen if i pay some money (aib, online) from my current account to my credit card with balance €0.00 (will that payment be accepted or bounce back, any fees - no word @ aib page about that) reason for that is i do not use it very often (so i don't want to increase my limit in case of card being abused by some online shop etc.), but when i start my shopping i usually come very close to my credit limit (computer parts, booking flights for quite few lads) so i wonder if i can 'prepay' some money before i start - otherwise i often get hit by over-limit fee and if it keeps showing up on my cc statements that probably wont look too good on my credit history

26-11-2009, 21:14	#2
Toots* Moderator Join Date: Oct 2007 Location: Dublin Posts: 3,249 Adverts \| Friends Mod: Banking & Insurance & Pensions	Yes, you can add extra to your credit card, by 'pre-paying'. It just means that you can increase your spending capacity as you'll have your credit limit, plus whatever extra cash you've added in. __________________ My Dragons! . Mancore Official Pina Colada who likes covering puppies in chocolate of the T&P Forum Got a question about Banking, Insurance or Pensions? Ask here.

26-11-2009, 21:20	#3
ian_m Registered User Join Date: Jan 2007 Location: Location: Location Posts: 794 Adverts \| Friends	Be advised that the credit card company may not be responsible for money in credit on your credit card account should your card be lost or stolen. You might want to check that out... __________________ IRL-4926 http://www.youtube.com/watch?v=S1ZZreXEqSY

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27-11-2009, 00:11	#5
broker2008 Registered User Join Date: Dec 2007 Posts: 345 Adverts \| Friends	You can do it with AIB and for that reason above, Idont bank with Ulster Bank.