Chase Credit Line?? Over limit access

[Anonymous]

Hey MyFICO members. I am a new memeber but long lurker,

I have a question about my Marriott chase card with a 15500 limit. I need to make some urgent vendor payments before I'm sued for $22,000. Would chase approve my $22000 transaction? I know it is credit line vs credit limit, I will have the 7500 to pay the over limit at the end of the month specifically the 29th.

Should I make $11000, 11000 in two transactions, or should I try charging $22000 in 1? I called chase to ask them and they said a computer approve or deny the transaction overlimit not a human. I just need to pay over limit by the due date.

[Anonymous]

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@Anonymous wrote:
Hey MyFICO members. I am a new memeber but long lurker,

I have a question about my Marriott chase card with a 15500 limit. I need to make some urgent vendor payments before I'm sued for $22,000. Would chase approve my $22000 transaction? I know it is credit line vs credit limit, I will have the 7500 to pay the over limit at the end of the month specifically the 29th.

Should I make $11000, 11000 in two transactions, or should I try charging $22000 in 1? I called chase to ask them and they said a computer approve or deny the transaction overlimit not a human. I just need to pay over limit by the due date.

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Welcome to MyFICO

More than likely Chase would approve the purchase but as the CSR indicated, it will be the computer with the final voice so you won't know until you try.  Highly doubt whether two or one charges totalling the $22K will make a difference.  However, if you split them into two , at least your vendor will get the $11K if that will make a difference in being sued.  The only caveat that I see in al of this is that if this is a personal card then Chase might not like you using it for what seems to be a business charge.  Though in a limited number like this they probably won't care.  Good luck

[Creditplz]

^ agreed, OP just make sure you pay/ have the money to pay the over limit by the due date.. I've seen posts where people charge x2 their limit but I'm sure there's a internal limit for everyone. Try charging your limit $15.5k and the rest in a separate 7.5k charge.

I'd personally call chase before and schedule a payment for the 29th for the overbalance you expect to use. Good luck!

[ChargedUp]

If your scores support it, you could ask for a limit increase if you haven't already done so in the last 6 months.

[Anonymous]

I got a line increase 2 mo ago 5000------>15500 i always pay all but cant this time

[ChargedUp]

I hope it all works out for you then! Let us know if it's yea or nay for the data points, if you would..

[SouthJamaica]

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@Anonymous wrote:
Hey MyFICO members. I am a new memeber but long lurker,

I have a question about my Marriott chase card with a 15500 limit. I need to make some urgent vendor payments before I'm sued for $22,000. Would chase approve my $22000 transaction? I know it is credit line vs credit limit, I will have the 7500 to pay the over limit at the end of the month specifically the 29th.

Should I make $11000, 11000 in two transactions, or should I try charging $22000 in 1? I called chase to ask them and they said a computer approve or deny the transaction overlimit not a human. I just need to pay over limit by the due date.

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Wouldn't your vendor accept 15000 now and 7000 in a week???

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:
Hey MyFICO members. I am a new memeber but long lurker,

I have a question about my Marriott chase card with a 15500 limit. I need to make some urgent vendor payments before I'm sued for $22,000. Would chase approve my $22000 transaction? I know it is credit line vs credit limit, I will have the 7500 to pay the over limit at the end of the month specifically the 29th.

Should I make $11000, 11000 in two transactions, or should I try charging $22000 in 1? I called chase to ask them and they said a computer approve or deny the transaction overlimit not a human. I just need to pay over limit by the due date.

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Wouldn't your vendor accept 15000 now and 7000 in a week???

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I was about to ask the same thing

[FireMedic1]

Still a newb per say. Wouldnt this fall under the "NPSL" situation? If Chase list it as this on reports as such? Then no harm if its paid on the next statement? Like my Venture and QS WEMC reports?

[SouthJamaica]

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@FireMedic1 wrote:

Still a newb per say. Wouldnt this fall under the "NPSL" situation? If Chase list it as this on reports as such? Then no harm if its paid on the next statement? Like my Venture and QS WEMC reports?

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1. You can NOT rely on that.

2. You don't want overlimit on your report.