Prepaying money to Citi AA Cards - CSR says no
Apr 19, 2011, 12:29 am
#16
Join Date: Sep 2010
Posts: 188
Just got a Citi AA Biz card. They only gave me a $1K credit limit, and I need a $4K spend to get the 75K mile bonus. I need to buy something for ~$2K. I just called and was told by the CSR that I won't be able to buy anything for more than $1K even if I prepay extra money to the card (i.e., by wiring money to the account). I know CSRs are often clueless, but are they correct here? Also, is there any way to get around this?
Also I can't believe they gave you Biz card with $1k limit. That is super low. What kind of business person can run with CC that has 1k limit? lol gummy ball vending machine business?
I also thought there was min CL amount that is required for Biz card. E.g VISA Signature usually requires to have $5k+ limit so if bank cannot give you this CL or higher they will deny you for a card.
Apr 20, 2011, 7:51 pm
#17
Join Date: Jan 2005
Location: New York
Programs: AA Plat, CO Gold
Posts: 1,598
You can also call up their credit department, and they can authorize a pull from your bank account (a virtual check actually). I had to make a large purchase last year on a no-preset limit card, so I called to inquire if that would be approved. They said no on that, but gave me the option of prepaying the excess.
Apr 20, 2011, 9:48 pm
#18
Join Date: Mar 2010
Location: Tokyo
Posts: 586
Just pay the damn thing to 0 and charge the 1k. They are not going to deny a charge a few dollars over the limit. I was allowed to go up $50 over on a 3k line until they denied charges. The rep even confirmed my car insurance would go through even though enough was not available.
If your not comfortable with that, then go to Walmart, buy something, wait till the charge posts and then pay the balance off, and then return the item with receipt back to walmart. There is your (-) balance. KISS>
If your not comfortable with that, then go to Walmart, buy something, wait till the charge posts and then pay the balance off, and then return the item with receipt back to walmart. There is your (-) balance. KISS>
Apr 23, 2011, 11:29 pm
#19
Join Date: Dec 2001
Location: NYC
Programs: AA LT PLT, SPG Gold
Posts: 2,564
You can also call up their credit department, and they can authorize a pull from your bank account (a virtual check actually). I had to make a large purchase last year on a no-preset limit card, so I called to inquire if that would be approved. They said no on that, but gave me the option of prepaying the excess.
Dec 25, 2012, 6:10 pm
#20
Join Date: Feb 2010
Location: NYC
Programs: UA, AA
Posts: 519
Dec 25, 2012, 10:37 pm
#22
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
