Can I overpay a Barclaycard to get more Avios points?

NoodleDoodleMan

Deleted_User said:

They probably won't reject it but likely will return it if put in credit deliberately (or even accidentally) 

I should have said returned - but the end result is the same in practice.

[Deleted User]

NoodleDoodleMan said:

Deleted_User said:

They probably won't reject it but likely will return it if put in credit deliberately (or even accidentally) 

I should have said returned - but the end result is the same in practice.

Yeah it's all good, probably close the card too if OP kept doing it

Marchitiello

born_again said:

Marchitiello said:

Barclaycards are giving this £200 temporary limit to everyone they cannot complete full income verification nowadays. 

As others have said the transaction may not be authorised in the first place.

In terms of Avios earning and qualifying spending, anything that you spend on it will count, the fact that the card is on negative balance and/or that you overpay your statement has no bearing on it. Avios and Spending qualifying accumulation are calculated on actual transactions not on statement balance. 

Also, the comment about section 75 protection is no sense: what impact on a purchase protection right would the balance /payment/overpayment on the account have I am curious to learn… 

PS : I have had my Barclaycard accounts since 1999 and in this long time I have had few times the account in “negative” balance, some time for extended period of time. Normally it has only happened to the tune of £100-200 but at least one occasion it was around £2k (paid twice a statement via bank transfer) but the credit limit was many time that so it was obvious that it was not for creating larger credit limits. 

S75 covers situations where credit is involved.

If you could put you CC in a credit balance, you are removing that position. 

The fact that your account may be in “negative” balance is not changing the fact that you are using a credit facility and you are buying on credit until the account statement will reconcile credit and debit transaction to establish how much more it needs to be paid to settle the account. As a matter of fact aside of the Credit Limit being stated, even if you have £5000 negative balance the card will only authorise transaction up to £200 as that is the amount of credit they are willing to give you. Some cards provider have system that may allow otherwise but that is not the norm.