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credit card payments

m4rkiz · 2009-11-26 20:47:25

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…

26-11-2009 8:47pm

#1
m4rkiz

Registered Users, Registered Users 2 Posts: 495 ✭✭

Join Date: January 2009

Posts: 438
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

Tagged:

card

fees

credit

aib

payment

0

Comments

#2 26-11-2009 9:14pm

Toots

Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭

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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.

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#3 26-11-2009 9:20pm

ian_m

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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...

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#4 26-11-2009 9:38pm

m4rkiz

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Join Date: January 2009

Posts: 438

ian_m wrote: »

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

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#5 27-11-2009 12:11am

broker2008

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

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