Expenses for Immigration

Metaform

Delikado na ma-charge for paying above the credit limit (whatever that's called in banking terms) kahit may fund yung cc.

LokiJr

I'd rather request for a temporary increase in credit limit than intentionally breaching my cap hehe....Pamatay yung surcharge! Lalo na sa tulad ng BPI at BDO hehe

Sa mga bansang tulad satin medyo "ok" lang..kaso pag nag-apply ka ng credit card sa mga developed countries, nireresearch nila yung credit history mo at masakit sa mata nila yung ganung klase ng transaction hehe

raycel

It's best to check with your cc issuer . If its 20 t difference only ang visa payment and credit limit mo,I think it's fine not to ask . But pag more please ask and advise them it's for a valid purpose and 1time LNG. For sure they will be fine with it. The reason why most cc company do not allow overpayment because it is often used as a means for money laundering. Some money launderer would do an overpayment to their cc as a way of "laundering" or cleaning up their illegal money. Making the illegal money legal.

LokiJr

I don't suppose DIAC allows people to charge half of the fee via credit card and pay the other half in cash, right? hehe

nylram_1981

I work po in a bank. AMLA po from what I recall sa orientation samin ng BSP is a single transaction of 500k in one banking day or dineposit ng pakonti-konti within the day pero pag tinotal mo is 500k p din. If you have a legal business naman or overseas remitance and you can justify it dun sa bank manager then it is fine.

For the overpayment of 40k, I dont think they will consider it suspicious.

bmc_cpu

I'll share my experience. I used my Cebu Pacific Citibank credit card with 120k limit, pero 90k na lang yung available. Mabuti naman nag ok yung transaction even with an overlimit of 50k (140k yung conversion ng 3060 AUD). Binayaran ko yung overlimit before my statement date, good thing hindi sila nag charge ng overlimit fee. Lumaki yung points ko, at ginamit ko sya for my plane ticket to Manila for my medicals , round trip wala akong binayaran. I'm from the province btw. So, thank you citibank (na installment ko pa yung part ng amount) .

LokiJr

Mukhang mas lenient ang mga multinational banks a hehe...wala talaga ako masabi sa BDO haha

stolich18

Citibank Premiere Miles ginamit ko for the visa payment Ok din kase dagdag points hehehe

hotshot

@stolich18 : kelan na po punta nyo ng oz?

stolich18

@hotshot
hehehe plan namin sa March 2013 pa eh. hehehhe Unless may magoffer ng work. hahhahahah

faye

@stolich18 sis nkkuha kn ng ticket? kmi din eh march 2013 plan umalis

j_sky

@eischied_21 What do you mean by hindi mandatory sir?

lock_code2004

@eischied_21 What do you mean by hindi mandatory sir?

merong 2nd payment (approx 4kaud yata) if your secondary applicants cannot provide documents for english language requirements..

eischied_21

@eischied_21 What do you mean by hindi mandatory sir?

Nasagot na ni @lock_code2004.

PogingNoypi

Isama mo na din po yung mga ibang gastusin like IELTS, asikaso ng documents etc etc. siguro magdagdag ka pa ng mga 30,000 pesos po dyan (kasama na yung pagkain sa asikaso etc etc) hehehehe!

stolich18

@faye heehheheh not yet