topic Re: Can U overpay to Inc CL-Freedom? in Credit Cards

Can U overpay to Inc CL-Freedom?

Duncanrr — Sat, 27 Oct 2012 23:03:23 GMT

I want to get new tv at Best Buy but its over my CL. Can I send in payment above what is owes for a kind of temporary CLI? Any other suggestions?

Re: Can U overpay to Inc CL-Freedom?

afbar1114 — Sat, 27 Oct 2012 23:11:24 GMT

i dont think you can but you can and ask them

Re: Can U overpay to Inc CL-Freedom?

LS2982 — Sat, 27 Oct 2012 23:11:51 GMT

@Duncanrr wrote:
I want to get new tv at Best Buy but its over my CL. Can I send in payment above what is owes for a kind of temporary CLI? Any other suggestions?

Never did that before, I would call in and ask before you do it and it ends up going over limit and subjecting you to penalty APR's.

Re: Can U overpay to Inc CL-Freedom?

maiden_girl — Sat, 27 Oct 2012 23:27:22 GMT

I don't think Chase would let you purposely have a statement credit. You'll only get a statement credit if buy something, return it with no further transaction and you already paid your bill. The only way I could see it working is by pushing a payment through the bank bill pay. Even then, Chase might return the payment.

Re: Can U overpay to Inc CL-Freedom?

bbb3601 — Sat, 27 Oct 2012 23:31:22 GMT

just drop a little cash down and put the balance on chase.

Re: Can U overpay to Inc CL-Freedom?

afbar1114 — Sat, 27 Oct 2012 23:37:05 GMT

He wants to takadvantage of the 5% cash back....but it's capped at $1500 and he said he want as a tv...so depending on limit he can put on card and pay cash lol like you said

Re: Can U overpay to Inc CL-Freedom?

maiden_girl — Sat, 27 Oct 2012 23:37:20 GMT

@bbb3601 wrote:
just drop a little cash down and put the balance on chase.

+ 1. LOL that didn't even occur to me.

Re: Can U overpay to Inc CL-Freedom?

Anonymous — Sat, 27 Oct 2012 23:43:03 GMT

@Duncanrr wrote:
I want to get new tv at Best Buy but its over my CL. Can I send in payment above what is owes for a kind of temporary CLI? Any other suggestions?

Yes, you can send payment from your checking account. Just force the payment through via bill pay. Or you can make a payment at a chase branch.

Another option would be applying for the Best Buy card and get the 0% offers that they have.

Least recommended option would be to make a purchase within your credit limit (don't open it) pay it off then return it. That will create a credit balance which will also effectively increase your credit limit.

Re: Can U overpay to Inc CL-Freedom?

Duncanrr — Sat, 27 Oct 2012 23:42:01 GMT

I did call them. You can do it but u have to mail a check to them and then allow 3-7 days for them to process payment. Ill just out some cash down. 1.5k is my CL anyways.

Re: Can U overpay to Inc CL-Freedom?

maiden_girl — Sat, 27 Oct 2012 23:44:08 GMT

Must be a 3D TV...lol.

Re: Can U overpay to Inc CL-Freedom?

afbar1114 — Sat, 27 Oct 2012 23:44:34 GMT

how much is the tv? because the 5% is capped at $1500

Re: Can U overpay to Inc CL-Freedom?

Anonymous — Sat, 27 Oct 2012 23:47:41 GMT

@afbar1114 wrote:
how much is the tv? because the 5% is capped at $1500

Might be a good option to put part of it on the freedom then put the rest on a bestbuy card.

Re: Can U overpay to Inc CL-Freedom?

trumpet-205 — Sat, 27 Oct 2012 23:48:14 GMT

@Duncanrr wrote:
I did call them. You can do it but u have to mail a check to them and then allow 3-7 days for them to process payment. Ill just out some cash down. 1.5k is my CL anyways.

Only first $1,500 spending will get 5X points anyway.

Re: Can U overpay to Inc CL-Freedom?

Duncanrr — Sat, 27 Oct 2012 23:50:14 GMT

Tv is about 1.8k. Ill put 1.5k on card then put rest on Amazon card.

Re: Can U overpay to Inc CL-Freedom?

maiden_girl — Sat, 27 Oct 2012 23:51:47 GMT

@Duncanrr wrote:
Tv is about 1.8k. Ill put 1.5k on card then put rest on Amazon card.

Might be a good time to combine those limits for your purchase... LOL.

Re: Can U overpay to Inc CL-Freedom?

afbar1114 — Sat, 27 Oct 2012 23:52:40 GMT

@Duncanrr wrote:
Tv is about 1.8k. Ill put 1.5k on card then put rest on Amazon card.

better choice dont for get the reward zone card you can get 1800 points for that too around $35 back to bestbuy.....

Re: Can U overpay to Inc CL-Freedom?

trumpet-205 — Sat, 27 Oct 2012 23:53:45 GMT

Even better way to do this is buying discounted Best Buy gift card from Cardpool/Plastic Jungle

http://www.cardpool.com/buy/best-buy-gift-cards

https://www.plasticjungle.com/gift-card/best-buy-gift-cards

Put $300 in the forms of gift card and $1,500 on your Chase Freedom.

Re: Can U overpay to Inc CL-Freedom?

Anonymous — Sun, 28 Oct 2012 00:02:30 GMT

@Duncanrr wrote:
Tv is about 1.8k. Ill put 1.5k on card then put rest on Amazon card.

What TV are you looking at? Link plz

They have a good deal on this tv today:

http://www.bestbuy.com/site/Sharp+-+AQUOS+-+60%26%2334%3B+Class+-+LCD+-+1080p+-+120Hz+-+HDTV+-+Piano+Black/4639995.p?id=1218500929323&skuId=4639995

3D tv's aren't really that necessary in the home if that is what you are looking at, same with LED tv's. Once they are in place it doesn't really matter how thin they are. I have 3 LED TV's and to me...just basic LCD's would have been fine

One of my TV"s is a smart tv, and it seems like that just makes it take longer to turn on. I never use the smart tv functions, so it is just kind of a hassle.

Re: Can U overpay to Inc CL-Freedom?

Duncanrr — Sun, 28 Oct 2012 00:00:29 GMT

http://m.bestbuy.com/m/e/product/detail.jsp?skuId=5485307&pid=1218652747926

Re: Can U overpay to Inc CL-Freedom?

Anonymous — Sun, 28 Oct 2012 00:09:29 GMT

@Duncanrr wrote:
http://m.bestbuy.com/m/e/product/detail.jsp?skuId=5485307&pid=1218652747926

Make sure that is really what you need. If you have a video game system or blu ray hooked up to it already, then the smart tv function are superfluous. If you aren't going to be wanting to wear 3D glasses at your home, then the 3D function is pointless. If you aren't going to be moving it a lot, and you are okay with the lighting of LCD, then LED isn't needed. If you don't mind the look of other brands, then paying more for Samsung isn't worth it. I have actually had good luck with best buys in house insignia brand.

Just trying to save you some money. Hope you think about it a little more. You can get a pretty sweet tv for half the price.

Also, make sure you check out the open box area. You can usually find some really nice TV's there and they will sometimes sell them for what you offer them.