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Unauthorised Overdrafts on Credit Cards

  • 10-09-2008 11:49am
    #1
    Munster_Gal
    Registered Users, Registered Users 2 Posts: 1,274 ✭✭✭


    Hopefully someone can offer some help on this

    While away in New York on a shopping trip, I used my credit card for all my shopping. Even though I had a credit limit on the card, my credit card company allowed me to overspend on the limit by about €1000 and I am now being charged on the overdraft.
    Should it be the credit card company's responsibility to reject any purchases made on the card once I've hit my limit and should I be liable for any charges on the overdrawn amount?
    Because of this I now have a black mark against me with my credit rating.
    The same credit card company would not increase my limit before I went but agreed to reduce the limit on one card and issue a new card. The reduced the first card (leaving it overdrawn by about €600) and then issued the second card which they then allowed to be overdrawn!!!!!!!
    Anyone able to give me advice on this?


Comments

  • #2
    Mr Magnolia
    Moderators, Recreation & Hobbies Moderators Posts: 10,443 Mod ✭✭✭✭Mr Magnolia


    Hi there, welcome to boards. I'll request this be moved to Consumer Issues where someone may have an answer for you.


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