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My card was swiped at your merchant terminal, but shows “over limit”. what do I do now?

Whats an over limit?  The maximum amount of credit that a bank or other lender will extend to a customer, or the maximum that a credit card company will allow a card holder to borrow on a single card

what this really means  Normally every card(credit), has a predetermined limit assigned to it.If the card is used often, in general shopping or to make purchases, then a part of this predetermined credit limit may have been previously reached.Beyond this credit limit, any transaction may be charged at a higher percentage of  interest.

How does it effect me?  In case a card is swiped over limit , we cannot convert the amount into EMI as bank does not accept over limit cases.

Solution   In such rare cases, the swiped amount is  returned & the card (or a different card) is reswiped for the transaction on the specific terminal, with the correct options.

You can also try contacting the bank to find a quick resolution to the said overlimit interest charge.

Incase you still have a query,you can raise it at our website.

learn how to raise an online query here.

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