Avant just gave me a 12k limit based on our salary's. I never spend that much but this month I paid for a holiday which will be maybe 5k. Maybe they give high limits so some may overspend. I always pay off in full and I get the 12 euro rewardHmmm... I find this hard to believe.
5k limit for us and rarely make a purchase for more than a few hundred euro. What do people with 12k limits use them for?
This is important for those switching from UB/KBC. If you do a switch BOI carry your limit over.BOI gave me 7k as part of switching from UB. That was what I had with UB also
I have an AIB Platinum for a few years now, started off in the low 5K region I think, every half year or so I request about 1K-1.5K increase. Right now up to 9.5K. Will keep on doing it for another while, probably until it reach 20K or so.Hmmm... I find this hard to believe.
5k limit for us and rarely make a purchase for more than a few hundred euro. What do people with 12k limits use them for?
I push all my day to day spending, including health insurance, etc. through it (clearing in full each month), so then for car rental (where the company often locks a fairly high amount as deposit), I need a fair bit of headroom. I don't quite have 12k but pretty high and it's useful.What do people with 12k limits use them for?
Personal director guarantees required on corporate accounts too...well at least for small companies.
That’s precisely why Avant gives high limits. They’re banking (pardon the pun) on the customer overspending and paying the 22% (APR) interest rate on the outstanding balance.Maybe they give high limits so some may overspend.
AIB Platinum allow you request increase every five months online up to a maximum of €15,000
After this you must call to a branch and justify the requirement to have a limit increase considered.
This has been my experience with it.
The button is back! Not quite so visible these days but it's there if you look, I just requested an increase, and it was immediately approved.I have an AIB credit card for over 20 years, my initial limit was €2000. Their internet banking had a button where you could request an increase every now and then, so I kept doing it to see how irresponsible they would be. Got it up to €14000 over a few years and then the button disappeared.
Still have that limit to this day, luckily my bills are in the 100’s and I pay it off every month.
Not always?I put everything on my card and alway pay in full
The other point about high limits and high bill is that sometimes I make different part payments while clearing a bill always before it is due however I miscalculated the total one month by a euro and interest is charged on the full amount regardless of part payments. That is with BOI it was a hard pill to swallow and one I will never make again.
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