Invalid CC info Ticket Payment Loophole on AA.com closed
May 23, 2007, 10:22 pm
#16
Join Date: Aug 2002
Location: YYZ/MGA
Programs: AA 1MM Lifetime Gold, AA Platinum, WS Gold, Marriott Bonvoy Gold
Posts: 7,607
I always thought that if you charge more than your credit limit in a month, you would get dinged with the OTL fee
eg.. 5000 limit, make a payment of 7000, hence a 2000 credit... however you do not have a 7000 credit limit for this particular month.. you still can only charge 5000 this month without going over the limit even though you would only owe 3000 on your statement.. is that a correct statement
eg.. 5000 limit, make a payment of 7000, hence a 2000 credit... however you do not have a 7000 credit limit for this particular month.. you still can only charge 5000 this month without going over the limit even though you would only owe 3000 on your statement.. is that a correct statement
May 23, 2007, 10:50 pm
#17
Join Date: Nov 2006
Programs: AA EXP, 1 MM, AC, HH Diamond, Marriott Silver, Hertz 5*
Posts: 4,010
May 24, 2007, 8:20 am
#18
Join Date: Dec 2004
Posts: 7,905
What a strange thread.
You mentioned double miles on AA purchases, therefore you must have a Citi Business card, not personal. Most are Citi World Mastercards. Is that what you have? If so, there's no limit. Even if you have $20,000 revolving credit, you're permitted to spend beyond that. For large purchases above your limit, Citi may need to approve the transaction.
To others here-- I can tell you first hand there is no over limit fee for spending more than your limit in one month. The only possible time you'll pay the fee is if you actually OWE more than the limit on any given day. I have done the same pay-early trick with Amex and Mastercard in the past to stay below my credit limit (but both must have noticed because they increased the credit line shortly after).
You mentioned double miles on AA purchases, therefore you must have a Citi Business card, not personal. Most are Citi World Mastercards. Is that what you have? If so, there's no limit. Even if you have $20,000 revolving credit, you're permitted to spend beyond that. For large purchases above your limit, Citi may need to approve the transaction.
To others here-- I can tell you first hand there is no over limit fee for spending more than your limit in one month. The only possible time you'll pay the fee is if you actually OWE more than the limit on any given day. I have done the same pay-early trick with Amex and Mastercard in the past to stay below my credit limit (but both must have noticed because they increased the credit line shortly after).
May 24, 2007, 8:27 am
#19
Join Date: Jul 2006
Location: LAX
Programs: AA EXP 1.5MM, Asiana Club Silver, KE Morning Calm, Hyatt Platinum, Amtrak Select
Posts: 7,161
Given: Credit Limit = $5,000
Purchase A: $3,000 (available credit: $2,000)
Purchase B: $4,000 (available credit: -$2,000)
Online billpay: $7,000 (available credit: $5,000)
Purchase C: $6,000 (available credit: -$1,000)
Online billpay: $6,000 (available credit: $5,000)
Month closing: since ended the month with a positive credit remaining, you don't get dinged for over-the-limit.
May 24, 2007, 8:30 am
#20
FlyerTalk Evangelist
Join Date: Apr 2006
Location: SJC/VCE
Programs: AA PLT (2.9+ MM), HH GLD, Hyatt Diamond, SPG PLT
Posts: 10,161
Not if you pay off your balance ASAP and end up with a positive credit. Here's an example of an activity during a single billing month:
Given: Credit Limit = $5,000
Purchase A: $3,000 (available credit: $2,000)
Purchase B: $4,000 (available credit: -$2,000)
Online billpay: $7,000 (available credit: $5,000)
Purchase C: $6,000 (available credit: -$1,000)
Online billpay: $6,000 (available credit: $5,000)
Month closing: since ended the month with a positive credit remaining, you don't get dinged for over-the-limit.
Given: Credit Limit = $5,000
Purchase A: $3,000 (available credit: $2,000)
Purchase B: $4,000 (available credit: -$2,000)
Online billpay: $7,000 (available credit: $5,000)
Purchase C: $6,000 (available credit: -$1,000)
Online billpay: $6,000 (available credit: $5,000)
Month closing: since ended the month with a positive credit remaining, you don't get dinged for over-the-limit.
And all this relates to AA/AAdvantage how?
May 24, 2007, 12:03 pm
#21
Join Date: Mar 2007
Posts: 22
Loophole or Fraud?
I fear having too many transactions with wrong CVV
(for relatively large sums!) would ruin your (internal)
credit rating and end up Citi not authorizing more
than specific balance a month... Isn't this the case?
(for relatively large sums!) would ruin your (internal)
credit rating and end up Citi not authorizing more
than specific balance a month... Isn't this the case?
May 24, 2007, 12:14 pm
#22
Join Date: Oct 2005
Location: ORD
Programs: AA EXP, UA Prem Exec, *Wood Gld, Hilton Silver, Marriot Plat, NWA Silver, Avis 1st, Hertz 5*
Posts: 46
By "forcing" AA to be hard on the issue, it only hurts those that gamed the system to begin with. For the rest of us, or at least myself, its a nice feature that lets me know instantly if I made an error so that I can fix it and not have bad news at check-in.
May 24, 2007, 12:19 pm
#23
FlyerTalk Evangelist
Join Date: May 2002
Location: NYC, USA
Programs: AA EXP 3MM, Lifetime Platinum, Marriott Titanium, HH Gold
Posts: 10,968
But isn't it also bad for your score to have "excessive unused credit?"
May 24, 2007, 12:37 pm
#24
Join Date: Jan 2007
Location: DFW
Programs: AA PLT 2MM, SPG GLD
Posts: 28
Bonus? What bonus?
There's no bonus for using AA Citi cards to buy AA tickets (as there is for DL, CO and others). Maybe this whole churn strategy has been for naught.
May 24, 2007, 12:42 pm
#26
Join Date: Apr 2001
Location: DFW
Programs: AA EP 3MM, UA Silver, Bonvoy LT TIT, Hyatt Explorist, HH Silver, Caesars PLT
Posts: 7,259
Another vote for FRAUD.
May 24, 2007, 1:45 pm
#28
Join Date: Aug 2004
Posts: 563
There was a targeted offer last year that was discussed here, for a $99 buy-in you get, among other things, triple miles on AA purchases through 12/31/2007. No reason to think the OP has that but it does exist.
May 24, 2007, 1:49 pm
#29
Suspended
Join Date: Mar 2001
Location: FIND ME ON TWITTER FOR THE LATEST
Posts: 27,730
"I don't know if i'd use the "f-word" but it clearly-- if discovered-- would be seen as a transparent, clumsy and easily-trackable attempt to circumvent advance-ticketing requirements-- notice how the OP mentions "I flew every single time I did this, but it was also a good way to hedge on change fees if you were buying non-refundable tickets.." Right...
and he "did it for 2 other people".. uh-huh.
It would be patently inadvisable under any circumstances."
Edit to add: the above is actually a email I got-- not my own words (although certainly my shared thoughts 100%...)
and he "did it for 2 other people".. uh-huh.
It would be patently inadvisable under any circumstances."
Edit to add: the above is actually a email I got-- not my own words (although certainly my shared thoughts 100%...)
Last edited by JonNYC; May 24, 2007 at 2:19 pm
May 24, 2007, 3:34 pm
#30
In Memoriam, FlyerTalk Evangelist
Join Date: Jun 2000
Location: Benicia CA
Programs: Alaska MVP Gold 75K, AA 3.8MM, UA 1.1MM, enjoying the retired life
Posts: 31,849
If this was a common practice, imagine how many hundreds (or thousands) of staff hours it took to sort out these tickets, and to make the phone calls to resolve them. AA shouldn't have to spend their resources sorting things like this out.