Expenses for Immigration

Metaform · October 2012

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

LokiJr · October 2012

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 · October 2012

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 · October 2012

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 · October 2012

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 · October 2012

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)

.