Spending more than credit limit?

GordOfSomerset

I'll keep this short and sweet. My wife took out a credit card with 0% interest for 19months as we need to make a purchase on it (UK citizenship) and we thought why not spread the cost rather than paying on one go. The plan was sound except the cc company only gave her a limit of £1000 and we need to put £1005 on it. She called and other than being very rude to her they flatly said no.

I was wondering this, if we made a payment to the account prior to using it, say £10. Would this in effect give us a credit of £10 thus increasing the credit limit temporarily to £1,010 and that would enable us to compete the purchase for £1,005. Would this work or am I missing something?

Thanks everyone

Gaz83

Why not just ask the seller if they can break the transaction into 2? Shouldn't be an issue.

GordOfSomerset

I thought of that. The "seller" is the home office and they don't like to make things easy for anyone!

grumbler

GordOfSomerset wrote: »

I was wondering this, if we made a payment to the account prior to using it, say £10. Would this in effect give us a credit of £10 thus increasing the credit limit temporarily to £1,010 and that would enable us to compete the purchase for £1,005. Would this work or am I missing something?

It would - if the CC company's computer doesn't decline the transaction bigger than the limit. No harm done if you try.

Stereo

Bear in mind that putting a credit card in to credit (where they owe you money, not the other way around) goes against many banks' terms & conditions...

Paully232000

Even thought the terms and conditions will state that you shouldn't put you card in credit, I wouldn't be surprised if such a small amount wouldn't be a cause for concern.

I would imagine that your plan would work.

Saver-upper

I am jealous of your applying for citizenship costing £1005.Last month I applied for mine,costing £1067,and was told if I hadn't had my application in by 6th April,the HO application fee was sky-rocketing to just under £1600 :eek:.
If your wife hasn't applied yet,I would just double -check both the fees due,and which form to fill out (I would imagine ther would be an updated form with the increase in fees).
Good luck.

GordOfSomerset

Thanks everyone. I will check the terms and conditions but I also think it should work - worth a try anyway!

Saver-Upper: the prices did indeed go up on 4th April (as they always do) but it only went up from 900 and something to the £1,005. My wife falls under the AN category so it should be £1,005 unless I'm missing something. What category were you under for it to cost that?