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Credit card with low limit to use a secondary card
I'm looking for a credit card to use as a secondary card when I'm buying things online from a company/organisation I have not heard of
I'm reluctant to give details of my normally used credit card and I want to set a low limit such as £200 so if anything goes wrong the damage is limited.
One example is a roku streaming stick. To use just for normal uk catchup channels BBC, ITV etc I have to give a credit card details in in future I want to use a pay for channel.
I have an infrequently used card but I can't lower the limit, only raise it.
Any suggestions please?
Comments
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If anything goes wrong, as long as you haven't been negligent, it is the credit card company's problem, not yours. The limit really doesn't matter.
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It won't work as you seem to think it will.
If you've authorised a transaction, the card issuer may still honour it even if it takes your over the credit limit.
They may also process a transaction offline and when it debits unexpectedly you'll still have to dispute it.
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For the card you already have, have you talked to.them?
I never change limits, but I've seen several people on here saying they lowered their limit.
I'd give them a phone and discuss it.
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My Roku was bought for £17 on Amazon 5 years ago,.set up without any subscription conditions. My account shows an expired card which they never charged for anything, and which I can delete without necessarily adding a new one
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Re the Roku setup, it does ask for card details but they are not mandatory, you should be able to skip or "finish later". Here's a link to setup a Roku account without card details, you should then use this account to log into the stick.
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What about Revolut (not a credit card) and just top it up when needed?
I signed up for 3 months of the Sunday Times for £3 with a reoccurring payment of, not sure, I think £20 a month after the 3 months.
Within the app I just blocked the future payment (which you can do) and hey presto - means I didnt have to ring them up (which I know isnt your issue) and go all through that malarky for an hour of 'your call is important to us'
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There is almost certainly no need to ring anyone, many credit card issuers allow you to request a limit change, including down, via app or website
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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The OP said he / she can't lower the limit - only raise it. I presumed they meant by app or on the website, so suggested phoning as an alternative.
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Or they need to message/secure message etc, might be an option they missed etc
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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