Originally Posted by ezak

Answer to your question: charging $24k to a card with $25k limit coincides with what people maxing out their credit once and for all would do, so banks are very sensitive to it. A friend of mine got shutdown by Chase exactly for this reason, and even though it was an honest transaction and he explained everything to the bank, they still wouldn't do any more business with him. Sometimes, when people have lots of debts elsewhere or are simply leaving the country, they just max out all their cards and never pay back. To the banks, because of how big the loss it would be, it's the opposite of "guilty until proven". I'm not saying what OP suggested would definitely lead to shutdowns, but it's always a possibility, especially when your usual spending is nowhere near that amount.