Reply To: Any route to appeal credit limit?

[Froggee]

@JDB you tricked me! Sorry I was talking about Creation and their incompetence, not the somewhat better Barclays (despite what many here say). But you tricked me enough to revisit my creation credit agreements and they updated them at some point as the original one I had for the Premium card made no mention of overpaying whereas the one I got with my credit-card-for-a-week white card explicitly stated that I must not overpay.

It’s fascinating stuff.

Vaguely back on message, I have a friend who wanted to buy a £41k car on Amex from Cazoo and his limit was £40k. Cazoo would not budge on price and would only take a single payment. Amex would not budge on the credit limit. So his wife bought some clothes, paid the bill, and promptly returned the clothes to get an extra grand headroom and it worked a charm. It seemed somewhat convoluted to me but she is a highly competent accountant and undoubtedly had the credit agreement committed to memory.

A £250 statement credit and 61,500 Avios probably made it worthwhile in this case.

Oh – the car turned out to be a complete lemon but outside the warranty period which licked bag.