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I'm working for the banks. So this is my answer.

jeffrey815(Smartiecat)

Yes. You can pre-paid your credit card and then your credit limit will automatically increase with your base limit + your prepaid. Then your funds available is equal to base limit + your prepaid. Then your buying power is based on your funds available. Not based on your limit.
eg. Limit 1000, funds available 500 (means you already spent 500 on the card), then buying power is 500.
Limit 1000, prepaid 2000, funds available 3000, buying power 3000.
Limit 1000, prepaid 2000, funds available 2000 (means you spent 1000 already), buying power 2000.

(#262464@0)
Last Updated: 2001-11-15
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枫下家园 / 生活杂事 / 我的信用卡的Credit Limit只有1000$，现在需要一次付2000多，能不能先存一笔钱进去，然后付。请问可以这样做吗？会不会有什么问题？谢谢。 -yaozhang(yaozhang); 2001-11-14 (#261887@0)

不可以。信用卡是看信用额，不是看你帐上有多少，你不能超过你的credit limit. -jiajie66(jiajie); 2001-11-14 (#261896@0)
这是信用卡不是现金卡,Limit就是Limit.你把钱存进哪里? -jzwang(hello); 2001-11-14 (#261899@0)

真理有时掌握在少数人手中。 -jiajie66(jiajie); 2001-11-14 (#261948@0)

刚明白你的意思.呵呵. -jzwang(hello); 2001-11-14 (#261957@0)

我这样做过，至今没有发生什么问题。至于对其它有什么影响就不知道了。 -tomatoo(tomato); 2001-11-14 (#261920@0)
可以. 如果你存$1500, 你的CREDIT LIMIT就为$1000+1500=2500. 下个月, 你的CREDIT LIMIT又回到$1000. 你可以用这种方法来临时增高你的CREDIT LIMIT -dropoutinmiami(东北的饺子); 2001-11-14 (#261927@0)

我同意饺子的说法，我也咨询过MASTERCARD公司，他们的答复就是这样可行。 -tanfuture(未来); 2001-11-18 (#266528@0)

No problem. -ericg(Eric); 2001-11-14 (#261929@0)
as a matter of fact, YOU CAN! write a cheque payable to your credit card payment cenre, your ACTUAL AVAILABLE credit for that period is MORE THAN 1000$, but usually try to avoid this to occur -tongbuyong(通不用); 2001-11-14 (#261970@0)
For alternative, you can call the credit card and transfer the credit to your bank account (usually no fee, takes a week). Then you can pay with your bank card or check. -poohbear(nothing); 2001-11-14 (#261977@0)
谢谢大家，我明天就去银行试试。 -yaozhang(yaozhang); 2001-11-14 (#261983@0)
可以，你存一万都可以，不过你每次只能刷1000，这就是Credit Limit。所以，你不得不刷两次！另外，不需要等到结帐日付款，你可以提前付，而且可以付好几次/月。 -icesnowman(爱江山不爱美人); 2001-11-14 {1075} (#261993@0)
本文发表在 rolia.net 枫下论坛举例：
credit card of TD bank, Credt limit: $1000

Nov 1: buy $300, balance $-300, credit left $700 (you only can buy $700 stuff)

Nov 5: buy $700, balance $-1000, credit left $0 ( you can't buy anything now)

Nov 10: pay $600 to TD, balance $-400, credit left $600. (You can buy $600 stuff now, (you need to wait the money reach your account to use it, usually 2 or 3 days )

Nov 15: pay $1200 to TD, balance $+800, credit left $1000 (you can buy $1800 stuff, buy you need to pay twice)

Nov 20: buy $1200, balance $-400, credit left $600 (you can buy $600 stuff)

Nov 25: buy $ 200, balance $-600, credit left $400

Nov 27: buy $200, balance $-800, credit left $200

Nov 30: TD send you balance sheet (record before Nov. 25), ask you to pay $600, due day is Dec. 20

Dec 1: pay $600 to TD, balance $-200, credit left$800
....

如果Credit limit 比较低，就可以用这种方法，多用Credit card, 积累Credit, 不过一定要确定钱到帐才能用。另外，小心不要在小商店用，据报道，有很多不法奸商，把你的credit car信息卖给制假卡集团。俺的Credit Card刚被人fake。更多精彩文章及讨论，请光临枫下论坛 rolia.net

不对吧，我的LIMIT是1500，我就是先把钱存到卡里，然后刷的是1900 -lvv(脸绿绿); 2001-11-15 (#262881@0)

你可以把钱存入信用卡帐户，一次付帐用掉最大额度。如credit limit $1000,你存$2000进去，你可以一次用掉$3000.可以用telephone backing一个电话转帐。我limit$500时用这种方法一次在网上付了$1000多。 -guest1(guest); 2001-11-15 (#262452@0)
I'm working for the banks. So this is my answer. -jeffrey815(Smartiecat); 2001-11-15 {552} (#262464@0)
Yes. You can pre-paid your credit card and then your credit limit will automatically increase with your base limit + your prepaid. Then your funds available is equal to base limit + your prepaid. Then your buying power is based on your funds available. Not based on your limit.
eg. Limit 1000, funds available 500 (means you already spent 500 on the card), then buying power is 500.
Limit 1000, prepaid 2000, funds available 3000, buying power 3000.
Limit 1000, prepaid 2000, funds available 2000 (means you spent 1000 already), buying power 2000.
Use Your Credit Card A Lot Doesn't Mean That You Will Have A Good Credit History. -jeffrey815(Smartiecat); 2001-11-15 {126} (#262467@0)
Your credit history is based on your period of owning a credit card. It's not based on how much you spent on the credit card.

Smarttiecat, Which bank are you working for? And where are you? -poohbear(nothing); 2001-11-15 (#262661@0)

I'm working for HEPCOE Credit Union Online Banking division in Toronto. -jeffrey815(Smartiecat); 2001-11-15 (#262666@0)

Thanks. I had thought to ask you some questions. But I am in Vancouver. -poohbear(nothing); 2001-11-15 (#262708@0)

A question to ask you: -smallwhale(外有引力); 2001-11-15 {482} (#262728@0)
When I first got credit card, I wanted to use it to pay my telephone bill. But the employee at bank told me that I would be charged interest as withdrawing money when I did it in that way. I could do that without interest only when I have registered my credit card at Bell. So I paid by my debit card.

My question is that what's the difference between I purchasing or paying such bill by credit card. If I pay my tuition bill by credit card, will I be charged interest? Thanks.

你用信用卡直接到ATM机上取钱、用信用卡的支票和用信用卡付bill，叫cash advanced，利息从你签字消费的那一天起算起，很不合算啊。 -tinydog(tinydog); 2001-11-15 (#262851@0)

真的吗? -island(大岛); 2001-11-16 (#263251@0)

The way to get around it if you want to do a cash advance is to over-paid your bill with the amount you are going to advance. Then you will not be charged interest. -jeffrey815(Smartiecat); 2001-11-18 (#266458@0)

我已经做了2年多了，没问题。我的visa卡的balance几乎一直是负数。 -x86(㊣锿钶锶钯锍想开飞机); 2001-11-18 (#266544@0)

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I'm working for the banks. So this is my answer.

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