How to Buy Than the Card Limit
Purchasing goods via credit cards is convenient and the cardholder can still have up to 45 days of interest-free repayment, but sometimes the purchase via credit card is not as convenient as you think. Because when wanting to buy a product with a value greater than the amount given by the financial institution, what to do?
When wanting to buy products beyond the card limit, what to do?
For example, if the limit on the card is 20,000 baht but the product price is up to 25,000 baht, the cardholder can make a phone call to contact the credit card staff to request to increase the limit. Which, if requesting a small amount increase, the financial institution will approve immediately Which may check the payment history If you have a good history, it will make it easier to increase the limit.
In case of requesting to increase the credit line, the financial institution requests to deposit cash for guarantee The cardholder is able to deposit cash with that financial institution as requested by the financial institution. The amount of the deposit depends on the amount requested.
If wanting to buy that product immediately The credit card owner can split the payment into two parts, such as the product price of 25,000 baht, but the credit limit is 20,000 baht, pay by cash 5,000 baht and the remaining 20,000 baht to pay by credit card. This method can be done in some stores only.
Finally, it is important that if there is an increase in the amount of money to buy the product and you want to pay for the products that are participating in the program Will not be able to do Unless the price of the product is within the limit approved by the financial institution, however, requesting to increase the credit limit should check the availability of the discipline to see if there is sufficient discipline. And able to bear the additional burden.
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