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Credit card.. have I fucked up!

5 replies

WitBeyondMeasure · 24/11/2018 00:22

I purchased something on my credit card earlier. Went into my app and the available spend was zero,
I have a very low limit anyway but I have clearly overspent by a few pounds, the payment was still pending.
I have paid £100 into my credit card account (about five minutes after the purchase) and the payment had been accepted.

Is this likely to come up as an overspend? I always pay my balance off in full every month. I just got a bit carried away with Xmas shopping and didn't check before I clicked.

OP posts:
SimplySteve · 24/11/2018 01:09

Depends on which clears first I'd think.

overagain · 24/11/2018 08:10

You might get a charge for going over. Depends on the terms and conditions of your credit card.

overagain · 24/11/2018 08:11

Pressed send too soon.

Or it might reject the payment (if it was an online purchase).

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BifsWif · 24/11/2018 08:13

I’ve done this before don’t worry, there was no negative impact because I did what you did and paid a chunk off within minutes when I realised.

WitBeyondMeasure · 25/11/2018 22:23

Thank you all for your replies. The payment from my current account to the credit card have cleared tonight.
I still have several transactions pending on the credit card so my balance is £50 but I have £80 pending transactions.
My available credit is still showing as zero but I'm hoping that updates. There are no other transactions I'm aware of.
I'm trying to rebuild my credit after some disastrous youthful mistakes so I know this may seem silly to some, but I'm just trying to get everything back in order and be in control of my finances.

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