Citi Doublecash Overlimit

[VanillaThunder]

Say my CL is $3000, I want to pay my tuition that is approximately $3200. Would citi let this transaction through, and if they would is there an over limit fee? I would pay it off as soon as it posts.

[Anonymous]

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@VanillaThunder wrote:
Say my CL is $3000, I want to pay my tuition that is approximately $3200. Would citi let this transaction through, and if they would is there an over limit fee? I would pay it off as soon as it posts.

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They probably wouldn't  approve the transaction as it isn't a flexible spending card. Your best bet is to call them and ask for a temporary or permanent increase to cover this one time charge

[Anonymous]

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@Anonymous wrote:

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@VanillaThunder wrote:
Say my CL is $3000, I want to pay my tuition that is approximately $3200. Would citi let this transaction through, and if they would is there an over limit fee? I would pay it off as soon as it posts.

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They probably wouldn't  approve the transaction as it isn't a flexible spending card. Your best bet is to call them and ask for a temporary or permanent increase to cover this one time charge

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Agreed.  You can also see the disclosures that came with the card to see if it is a flexible spending account..

[taxi818]

Note as well. if for some reason they did. you would be paying thru the nose for going over the limit. put it on 2 cards would be best. instead of maxing out a single card.

[VanillaThunder]

I don't see anything in my cardmember agreement about fees, but I'll just charge the $3000 and let financial aid pay the rest. $60-$8.50 fee is still $51.50 in free money

[Anonymous]

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@VanillaThunder wrote:
I don't see anything in my cardmember agreement about fees, but I'll just charge the $3000 and let financial aid pay the rest. $60-$8.50 fee is still $51.50 in free money

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Do you have any other cards?  If so, what are the limits on them?

[yellowcake]

Why not push the payment to the card (resulting in a credit balance) then use it for tuition? No over the limit fee in this case.

[Kenny]

I don't think there is an overlimit fee. See if you can get a SP CLI and then you'll be able to charge the whole amount. (Maybe explain to CSR what you're planning on doing.)

[VanillaThunder]

Yes it's me, my next best choice would be my QS1. Well actually, do Amex rewards come in $25 or can I redeem like $34.83?

[NRB525]

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@yellowcake wrote:
Why not push the payment to the card (resulting in a credit balance) then use it for tuition? No over the limit fee in this case.

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I think this would not give the "pushed' payment the double cash reward.

My understanding is the first 1% is marked with the reward, and puts that charged amount in a "payment pool". The second 1% is earned by payment, draws from that pool, so over time you'd probably not get the second 1%, on whatever the pushed payment amount was.

Now, it might take 30 years for that to catch up, but still, $5 is $5, now or 30 years from now