Can I add more to my credit card than the limit?

PJC88

I owe a payment of £550 and need to pay by card and wish to do so with my barclaycard cc. The Limit on the barclaycard cc is £250, so Can I make a transfer to the cc of £550 even though the limit on it is £250? Earlier I owed £69.99 to the cc and when trying to enter £70, a message came up in red telling me it can't be in credit. 

[Deleted User]

You can on some cards, but it may be blocked and at worst, your account closed as it's a breach of terms.

It sounds as it Barclaycard have blocked it, but I wouldn't try it even if they hadn't, given the current twitchiness around money laundering and account mis-use.

PJC88

Any other suggestions mate? I have a balance transfer card to pay off a purchase that is coming to end of interest free period, and seems only way I can pay is by bank account or in full. Only way I can pay in full is by doing what I asked in op 

TadleyBaggie

No you can't do this, the fact you already tried to put the card into a positive balance and was rebuffed is proof of this.

enthusiasticsaver

No, most credit cards wont let you go into credit. 

jay1804

You can put a card in credit but it's against the terms and conditions. Usually the easiest way to do this is via a Bank transfer Payment. I  have two examples where i've done this before:
- I made a payment over 3x the limit without speaking to the card provider first (The card was blocked for a short period and i had to speak to the 'Fraud' team) - Aqua
-I made a payment of over 2x the limit, I was advised by the customer service agent to do this (nothing happened ) - AmEx

J_B

I tried to pay my Barclaycard's full balance one day as I wanted to make another purchase with it the following day and it was at its max.

I wasn't able to pay the full balance as the most recent payment hadn't cleared so had to pay less - they certainly wouldn't let my account go into credit

Sandtree

PJC88 said:

Any other suggestions mate? I have a balance transfer card to pay off a purchase that is coming to end of interest free period, and seems only way I can pay is by bank account or in full. Only way I can pay in full is by doing what I asked in op 

It may be easier if you state what the different accounts are, their balances and what you are trying to achieve.

It sounds like you owe £550 on card A, you have a BT limit of £250 on card B with Barclays and presumably an offer, and you have £300 or more in cash.

Why not pay the £300 off of card A and then BT the £250 to card B rather than trying to get B to a credit balance of £300 and then transferring all £550 to B?

PJC88

Sandtree said:

PJC88 said:

Any other suggestions mate? I have a balance transfer card to pay off a purchase that is coming to end of interest free period, and seems only way I can pay is by bank account or in full. Only way I can pay in full is by doing what I asked in op 

It may be easier if you state what the different accounts are, their balances and what you are trying to achieve.

It sounds like you owe £550 on card A, you have a BT limit of £250 on card B with Barclays and presumably an offer, and you have £300 or more in cash.

Why not pay the £300 off of card A and then BT the £250 to card B rather than trying to get B to a credit balance of £300 and then transferring all £550 to B?

I had a balance transfer offer. I owe £528 on a purchase from last year, the 0% runs out in march. The payment can be made from my bank account, but not with balance transfer card. I can only make the full payment, so, it wasn't possible to pay £250 with the barclaycard then transfer to barc from my offer card, then pay another 250 then finally the 28.

pbartlett

you can reduce the £528 to £250 by paying from your bank account. Once at £250 then bt.

mrsmsebastian

enthusiasticsaver said:

No, most credit cards wont let you go into credit. 

Barclaycard allowed me but by only a few quid though