Knight Posted October 3, 2022 Share Posted October 3, 2022 (edited) So I have a secured DC that is 2 months old. I have a very low CL on it. $200. Since I cannot use my other cards, I decided to use this card for a couple of purchases. In my miscalculation, the card got denied this morning for going $1 over the purchase price. (The great benefit of low CL) So my worry now is: would this be considered a negative when they revalue my account later for a potential upgrade to an unsecured line and hence come back to bite me with delayed graduation and/or low limits down the road? Edited October 3, 2022 by Knight Quote Link to comment Share on other sites More sharing options...
Admin MarvBear Posted October 3, 2022 Admin Share Posted October 3, 2022 Why didn't you split tender the sale and pay the $1.00 out of your pocket? Quote Link to comment Share on other sites More sharing options...
centex Posted October 3, 2022 Share Posted October 3, 2022 I don't know that their system is geared towards monitoring WHY a transaction was declined. The reality is you didn't go over your limit. Period. Full stop. Can you add funds to the security so that you don't find yourself hamstrung by a useless limit? Quote Link to comment Share on other sites More sharing options...
Knight Posted October 4, 2022 Author Share Posted October 4, 2022 Is it bad to go over the limit? And if so, What if you ever do it but then pay it down before the statement closes? Quote Link to comment Share on other sites More sharing options...
shifter Posted October 4, 2022 Share Posted October 4, 2022 Not really. But it sounds like they declined you. Most cards decline if you don't have the available credit. So you didn't go over the limit because they didn't let you. centex 1 Quote Link to comment Share on other sites More sharing options...
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