Negative Balance / Overpaying Bill

chattychappy

If call centre staff told me it was OK to put the account into credit, I still wouldn't rely on being able to do it.

firsttimestudent

chattychappy wrote: »

If call centre staff told me it was OK to put the account into credit, I still wouldn't rely on being able to do it.

That's true. My Natwest Credit Card long time ago was an example.

I guess the only way to find out the 'real answer' is by actually doing it.

But I totally agree with the request to increase the credit limit - that would be the best option. As an aside, is there any reason why the OP wants to buy it using a Credit Card and not Debit Card?

Picnic_2

firsttimestudent wrote: »

As an aside, is there any reason why the OP wants to buy it using a Credit Card and not Debit Card?

Yes, partly because I read somewhere that the credit card company is liable to refund you the money if the airline goes bust, but mainly because I never use my debit card for online transactions

rtho782

Years ago (~2000) I had a Barclaycard with a £1000 limit. It was at about £900 outstanding.

I had £2500 (from a loan) I wanted to purchase a PC with in my bank account, but only had a Visa Electron debit card, and back then these could not be used over the phone or online.

I called Barclaycard and asked if I could pay this off my balance and purchase the PC on my credit card. The operator put me on hold, then came back a couple of minutes later and said "no, but we can offer you a £5000 credit limit".

I promptly bought the PC on the card, then spent the rest of the limit (and the £2500 loan) on beer.

Oh, the stupidity of youth.....

Toe-Jam

It usually doesn't work, the largest transaction you can make is your total limit. So even if you have the money to spare it declines. Unless you have a card with a Bank that allows you to overspend (Santander anyone).