Credit card question..

Takeshi_Kovacs

Just a quick question.. I have a student AIB credit card with a limit of 600 euro.
Now anytime i buy something i always keep it below the 600, but there are a few items that i would like to get, which are more than 600. So is it possible to go above the limit and pay it off the following day or so. Or will the the bank cancel the purchase?

BuffyBot

The purchase would probably get rejected at the point of sale.

Takeshi_Kovacs

Ok thanks , i guess i will have to split the items into seperate deliveries, (and upgrade my credit card!!)

Ruu_Old

If you want to make a purchase bigger than your limit then load the money required onto your credit card a couple of days before the purchase. However its not always a good idea to max out your credit card like that, doesn't look so good on a credit report.

Takeshi_Kovacs

Ruu wrote:

If you want to make a purchase bigger than your limit then load the money required onto your credit card a couple of days before the purchase. However its not always a good idea to max out your credit card like that, doesn't look so good on a credit report.

Yeah i heard about that before, but not sure if it worked.,

Also, would i be right in saying that, once you paid off your bill to the bank within the specified interest free time, then these APR rates don't matter..? sorry if it is stupid question, but i could never figure it out..

jhegarty

Ruu wrote:

If you want to make a purchase bigger than your limit then load the money required onto your credit card a couple of days before the purchase. However its not always a good idea to max out your credit card like that, doesn't look so good on a credit report.

you can do that , it will work... and it on an irish credit report the only thing that appears about a credit card is missed payments....