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credit card limit & credit balance

coffee_cake · 2010-12-01 22:08:40

Hi all I want to buy something which is a bit bigger than my card limit. I could pay it all on debit but I'd rather pay about half of it now and half next month. Yes, I do clear my debt each month so no warnings needed. So say my limit is 500 - could I put a payment onto it of 300 so that I can purchase something up to the…

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01-12-2010 11:08pm

#1

coffee_cake

Registered Users Posts: 81,310 CMod ✭✭✭✭

Join Date: October 2003

Posts: 79126

Hi all
I want to buy something which is a bit bigger than my card limit. I could pay it all on debit but I'd rather pay about half of it now and half next month. Yes, I do clear my debt each month so no warnings needed.
So say my limit is 500 - could I put a payment onto it of 300 so that I can purchase something up to the value of 800 without incurring any penalties?
Does this depend strictly on the card?

edit: I don't want to increase my credit limit either!

thanks

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#2 01-12-2010 11:12pm
Cookie_Monster

Registered Users Posts: 24,501 ✭✭✭✭

Join Date: October 2007

Posts: 23201

yes, you can do that without any charge. I have done it several times on my BOI Mastercard

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