I am thinking couldn't you overpay your credit card ? Let's say that you have 2000 pounds credit limit and you want to buy something for 4000, then you pay your credit card provider 2000 pounds and you would have 4000 ponds credit limit, of course this is not a permanent credit limit increase just making your credit card in credit.
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Unhelpful Apple Purchase Options
- Thread starter drsox
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I am thinking couldn't you overpay your credit card ? Let's say that you have 2000 pounds credit limit and you want to buy something for 4000, then you pay your credit card provider 2000 pounds and you would have 4000 ponds credit limit, of course this is not a permanent credit limit increase just making your credit card in credit.
Having PayPal linked to my CC is one thing, to my bank account? It ain't happening.
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see #15
True
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Yes, I thought so as this used to be possible. Maybe this is still true where you are. However the VISA admin people here said that they would only allow a purchase up to the limit of the card's credit no matter what the positive balance on the card might be.
VISA offer a debit card which works like a regular credit card (not VISA Electron). I've had one for 15 years, and it's great. Don't like borrowing for consumption, I have a buffer for unexpected expenses and the transfer is immediate (so when I bought the iMac I just transfered the funds prior to hitting the order button), and it is just as functional as any regular VISA credit card (which VISA Electron is not). Check with your card provider (I assume it'd be your bank) to see if they have this on offer.
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Why are you more willing to link it to your credit card than to your debit card?
Wait. I'm using my debit card (Mastercard) everywhere where it says "credit card payment". It just works, and works wonderfully.
It's not like debit cards have incompatible attributes which prevent them from being used (number, expiry date, CVC). It's also none of merchant's business if I'm paying from my own money or bank loans them to me.
It's not like debit cards have incompatible attributes which prevent them from being used (number, expiry date, CVC). It's also none of merchant's business if I'm paying from my own money or bank loans them to me.
Yes, I have a debit card linked to the bank account. My problem with Apple was that I was unable to find out whether they would accept a debit card AND a credit card for the same purchase. Turns out that they probably would have. In the end I bought from someone else.
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Doesn't the merchant get charged more for accepting a credit card than a debit card ? I remember in one wine shop that they made a big deal about paying by debit card in place of a credit card. In fact they made sure the credit card transaction didn't go through (but making errors in their keying of the transaction), so I went elsewhere.
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So it seems you answered your own question!
It's funny how in the UK 20+ miles is an inconceivably large distance to travel. Really? That's nothing! That barely gets you half way across Sydney. I used to work 60+ miles from home and the train took 1.5 hours each way. I know people that travel even further.
Use it as an excuse to have a day out!
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Well, we all have stories about commuting etc. Now that I don't have to, and with the advent of internet shopping, a friendly visit from the Amazon Post Person (e.g.) is a worthwhile event. In the end it's a 20 mile trip (twice). I'm more ticked off by Apple's attitude than other matters.
These "hybrid" cards (debit card with "credit card status") do not exist everywhere. For instance, not a single card issuer in Belgium offer them as far as I am aware, whereas they are more or less standard in Sweden.
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If you had the funds, and they would accept the debit card, why did the credit card even come into play in the first place?
No the story went the other way. I asked about Bank Transfer first (nope), then mentioned my credit card had a lower limit than was required. He mentioned needing a second source of funds in that case. (A second credit card ?). I said "Que?" or thereabouts. He said I've answered your question and rung off. Never mentioned a debit card. I've never used a debit card for internet shopping (so never considered it). Debit cards IME have always been for in-store shopping.
Glad to be of service.You're killing me here..lol Can't imagine why Apple hung up on you
CC guarantees 90-day purchase protection against loss or damage, doubles normal one year warranties, airline points , car rental coverage,Travel insurance coverage, fraud protection (saved me $1,700 two years ago) instant warnings of possible misuse, keeps credit rating in good stead, etc. It is paid off automaticaly monthly so is never a problem.
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Do you mean that your bank does not offer you fraud protection etc, or that the reason you would never link PayPal to your debit card is because the conditions are just so much better when you use your credit card?
I just ran across this problem when I wanted to charge a new HVAC system for our home since the HVAC company takes credit cards and using one would give me 1% cash back (I never carry a balance on a credit card). I went online and requested my limit be raised, which they did instantly. No phone call needed. The amusing thing was that my credit score jumped up as a result of increasing the limit, though it did temporarily drop down until the end of the billing cycle and the balance paid off!
Biggest charge I've ever made to a card!
What I find amusing is this thread.
Credit card 101. "credit utilization ratio" keep it below 30% and you're good.
Raising limits therefore yields lower ratios, unless of course you max out and pay interest over time. Never do that.
Also, simply logging into the Apple Online store and clicking on the Payment tab, yields all the answers.
This one here from the UK store:
"You can pay in a variety of ways, including credit cards, debit cards, PayPal or Apple Store Gift Cards for all delivery options.
We also offer instalment payments with PayPal Credit or Barclays Financing."
Bank transfers, as well as cheques are fraught with risk and have essentially been replaced by debit cards and/or Paypal.
I always keep the limits on my CCs as high as possible to benefit my CS and to avoid ever being denied.
Consumers are protected in case of theft regardless of your limit. I recently lost my wallet for the first time ever and called all the CC companies right away. No sweat, whatsoever. Had new cards issued within 1 week and no liability.
Why would anyone choose to keep a low limit ? Unless you're a shop-o-holic and can't control your spending habit.
Not sure what you mean, I was only trying to understand your answer. English being my third language, it happens that I misinterpret people. I thought you meant, with your first post, that there were some kind of inherent danger involved in linking PayPal to a debit card that did not exist with a credit card. Having linked PayPal to my debit card, I figured it would be a good idea to ask you so I could reassess my own decision.
Read my answer.
PS Credit Card 001
Set a limit as high as you wish for monthly use and pay it all off every month. If the limit is too low in a month, make multiple payments during the month to maintain an outstanding debt level less than the limit.
Whoot, there it is..........exactly what I was thinking. Love having the option to put on multiple c.c.
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Following all the comments, I did a mock purchase on the UK site. Yes, there is the option to pay by a debit card, but I couldn't find the option to pay with more than one card. Next time, when I'm doing it for real, I'll check again.
I thought your problem was a desired purchase exceeding the limit ? How would multiple payments solve that ?
As I stated above wrt 30% rule, I keep my limits roughly 3 times my desired maximum spending amount of any month.
So, if I'd be planning on buying that new iMac Pro for $5K, your limit should be $15K .
I would have paid by a bank transfer if that had been allowed. As it is I would have been able to pay by a debit card and so avoid this spurious credit card rule you invented.
Update : Seems you didn't invent this. Merely following US advice. My experience is otherwise. But you are vindicated - hoorah.
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Not a bad idea. Didn't think of that !
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