holiday credit card limit 28 November 2018 at 2:20PM in Stoozing: free cash from credit cards 12 replies 1.9K views

Abbie7

yes -you know - I was just thinking about something like that myself. If I paid for the main return flights first which would be under the credit card limit, then transferred money to the credit card to pay it off straight away, I should be able then book the intermediate flights after that? Is that OK in the same month, because I haven't exceeded the limit at any one time?

PRAISETHESUN

Abbie7 wrote: »

yes -you know - I was just thinking about something like that myself. If I paid for the main return flights first which would be under the credit card limit, then transferred money to the credit card to pay it off straight away, I should be able then book the intermediate flights after that? Is that OK in the same month, because I haven't exceeded the limit at any one time?

You don't want to exceed your credit limit at all - EVER. You usually get hit with large fees for that. I would also caution against overpaying your card as bringing it into a positive balance is generally against the T&Cs for most cards. There isn't anything against making a purchase on your card, making a payment to bring the balance down to zero, and then doing this again multiple times within a month however.

As has been mentioned, you get section 75 protection as long as part of the purchase is over £100 per item has been paid in part for on credit. See here: https://www.moneysavingexpert.com/shopping/section75-protect-your-purchases/. It can actually be as low as £0.01 if you want to get technical, but there just needs to be a clear debtor-creditor-supplier link (ie. don't use a third party such as PayPal to make your purchase). As has been mentioned, you'll likely find it hard to use multiple payment cards over websites but calling the airline direct may help. Good luck!