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Thread: how to spend $10in a credit card w/o purchases?

  1. #21

    Default Re: how to spend $10in a credit card w/o purchases?

    Have you try calling them and asking them to transfer the extra amount to your bank account instead ?
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  2. #22
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    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by dRebelXT View Post
    em.. i shall try insurance stuff..
    do note that not all cards can pay for all insurance company. i think there must be some tie-up first before you can use your CC to pay your insurance premium. for example, if you have SCB CC, then you can use it to pay Prudential.
    Mythbusters - the bigger the explosion, the better it is.

  3. #23
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    Default Re: how to spend $10in a credit card w/o purchases?

    cancel the CC account? I'm sure the bank will return the balance credit.

    after that then re-apply another CC lor

  4. #24
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    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by romeo tango View Post
    Have you try calling them and asking them to transfer the extra amount to your bank account instead ?
    yes, and threaten to cancel the card if they don't want to return you the cash.

    i am sure the bank will not eat the $10K, they must return you the balance credit when the card is canceled.

  5. #25
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    Default Re: how to spend $10in a credit card w/o purchases?

    They will return any outstanding amount by cheque. Alternative is do a fund transfer before you terminate the cc.

  6. #26

    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by Virgo View Post
    Let me know your cc number. I'll help you to get rid of your 10K.
    i dun mind marry a virgo lady.. then give you supplimentary card..

  7. #27

    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by Wai View Post
    yes, and threaten to cancel the card if they don't want to return you the cash.

    i am sure the bank will not eat the $10K, they must return you the balance credit when the card is canceled.
    Quote Originally Posted by ManWearPants View Post
    They will return any outstanding amount by cheque. Alternative is do a fund transfer before you terminate the cc.
    Quote Originally Posted by Wai View Post
    cancel the CC account? I'm sure the bank will return the balance credit.

    after that then re-apply another CC lor
    return the amount then deduct 5%, am i right?
    it's a sure win bet for them.

  8. #28
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    Default Re: how to spend $10in a credit card w/o purchases?

    Just call them and tell them that you accidentally made that mistake. They have their way of reversing out for you.

  9. #29
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    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by dRebelXT View Post
    return the amount then deduct 5%, am i right?
    it's a sure win bet for them.
    why dont you call the bank to confirm?

  10. #30

    Default Re: how to spend $10in a credit card w/o purchases?

    Call the bank, ask to speak to a manager
    Ask if they can waive the 5% charge or lessen the charge to 1 or 2%

  11. #31
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    Default Re: how to spend $10in a credit card w/o purchases?

    If all fails, ask a shopowner that you know to charge your card 10K, and pay him the CC charge (less than the 5% for cash payment from ATM).........but he will get bookkeeping problems, sorry, won't work

    HS

  12. #32

    Default Re: how to spend $10in a credit card w/o purchases?

    If I remember correctly, if you make excessive payment, ie deposite into the card, they will be no charge if you ask the bank to transfer out to your banking account. You are not taking an advance, ie borrow money from the bank, you are taking out your own money.

    HTH.
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  13. #33
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    Default Re: how to spend $10in a credit card w/o purchases?

    what is the restriction that leads you to say spending the balance without swiping the card?
    If you damaged/cut the card, most banks will replace it FOC.
    Then you can deplete the 10k balance in day to day shopping.

  14. #34
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    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by ConnorMcLeod View Post
    what is the restriction that leads you to say spending the balance without swiping the card?
    If you damaged/cut the card, most banks will replace it FOC.
    Then you can deplete the 10k balance in day to day shopping.
    have u read the whole thread before clicking on reply button?

  15. #35
    anrea
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    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by dRebelXT View Post
    Let's say you accidentally deposited 10k into your credit card and you never spent more than $500 a month on CC, how do you spend it without wiping the card, and nor drawing cash and pay 5% service charges?

    Can pay mobilephone/internet/SCV/PUB bills?

    How to undo the mistake with minimal bank charges?
    i know that for some cards, they allow you to pay your bills with it.



    all the best to you! =)
    Last edited by anrea; 2nd June 2010 at 01:07 AM.

  16. #36
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    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by Wai View Post
    have u read the whole thread before clicking on reply button?
    actually I did, and I did not notice he said anything on why he does not want to swipe his card.
    What did he say?

  17. #37
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    Default Re: how to spend $10in a credit card w/o purchases?

    Quote Originally Posted by ConnorMcLeod View Post
    actually I did, and I did not notice he said anything on why he does not want to swipe his card.
    What did he say?
    basically... it's accidentally having $10k credit balance in your CC account and how to utilize it without having to swipe the card, doing cash advance or whatever...
    Mythbusters - the bigger the explosion, the better it is.

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