Purchasing Online

[Anonymous]

Anyway to buy a high ticket item Online with more than one card for the same item? It seems you have to put the whole purchase on one credit card, a common probelm would be if th customer does not have any cards with a high enough limit.

Case in point I want to buy an expensive leather sofa that cost $2,000 Online, includes delivery and white glove set up and I think one free accessory. My highest card limit is only $1750, this retailer has two physical stores but their in different states than mine, so Online is the only option.

[Anonymous]

Call the merchant and ask to split billing between two cards.

[Anonymous]

I did ask, guy said that had no way of splitting it

[Anonymous]

Unfortunately if they won’t split it, there’s nothing you can do except ask for a credit limit increase or open a new account that has the limit you need.

[Anonymous]

That's just it, no way of knowing what limit I woukd get on a tier 2 card, CSP if I qualified would do it but I have a thin file.

[UncleB]

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@Anonymous wrote:
That's just it, no way of knowing what limit I woukd get on a tier 2 card, CSP if I qualified would do it but I have a thin file.

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Just FYI, the term "tier 2" doesn't have any meaning on this site.

I suspect it's another subjective term similar to 'subprime' that is used by some, but the meaning can vary from person to person and without further clarification can lead to confusion.

[Ahava18]

This may not be a solution, it's rather a workaround. If your $1750 card has a 0 balance, you can make a $250 bill pay from your bank (initiated FROM your bank accnt). That should make your available credit $2,000.

I can't say I have tested it on all card issuers, so it may be YMMV.

[Berk]

If you have a debit card you could always use that.

[CreditInspired]

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@Anonymous wrote:
I did ask, guy said that had no way of splitting it

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I would call back, ask to speak to a manager, and ask if they want to make a sale or not. In this day and time, it makes absolutely no sense that the store can't charge this to two different cards. They could just charge 2 different miscellaneous items. This would make me wonder what other antiquated systems they have in place -- example, you get the couch, there's a problem, and they won't credit your card. 

Yep, I would see if I could find another store or another couch somewhere else. Unbelievable that they would lose out on a $2K sale. And if I were the sales person, I would be some kind of upset missing out on my commission.

Oh well, that's my rant for the day.

[CreditInspired]

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@UncleB wrote:

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@Anonymous wrote:
That's just it, no way of knowing what limit I woukd get on a tier 2 card, CSP if I qualified would do it but I have a thin file.

---

Just FYI, the term "tier 2" doesn't have any meaning on this site.

I suspect it's another subjective term similar to 'subprime' that is used by some, but the meaning can vary from person to person and without further clarification can lead to confusion.

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+1. You beat me to it. I saw this term somewhere else and was wondering what in the world is tier 1, 2, 3 or 4.