Jump to content

HELP! Random, time sensitive credit card question!!!


~Angela~

Recommended Posts

Hi anyone still awake!!

 

So, I booked a trip on Expedia tonight using my credit card. I then found that the price changed later on and I can save $300 by cancelling and then re-booking which is allowed until 3:30am EST.

 

I am concerned though because if I book the trip with the new price and the refund for the other one is not automatic, I am screwed because I exceed my credit limit. At this time of night, I can't get ahold of the bank to let them know I am going to go over so I am not sure what to do. I suppose I could just suck it up and pay the extra $300, knowing I am going to Jamaica ....but what happens if I do exceed the limit?

 

Will it just not go through ....or will I be charged some huge fine? Or..... when they process the refund, does it go through automatically and I am worrying for no reason.

 

Any help is appreciated!!!!! Thanks!

Link to comment
Share on other sites

First breath girl!!! The refund will not be immediatesad.gif I know this from experience w/ Expedia for this exact reason. Generally if you exceed your limit it doesn't go through.

 

Call expedia and ask if they can change the amount and refund you the $300. Did you book this today?

Link to comment
Share on other sites

I spoke to someone earlier who gave me the time frame ...she said I'd only be charged the re-booking fee, which is $9 per person. I will call and see if I can get that same girl!

 

Thanks..... so frustrating! I knew I should've looked harder/longer...but I felt like I'd been waiting forever and finally it came down!!!

Link to comment
Share on other sites

I have worked in banking for almost 10 years and one of my jobs is to review credit reports. Be very careful about going over your credit limit. I don't want to alarm you but if you intend to carry that balance, even for a short time exceeding your credit limit will not only charge you an over limit fee but the lender has the right (and I can almost guarantee) will skyrocket your rate into a default rate on your entire balance-which will hurt. We're talking 30% and over. They will also report on your credit report that you exceeded your limit.

 

Call your bank-regardless of the time of day there should be an 800# on your card and you can talk with them. Request a credit line increase, lots of times that can go through right away.

 

I don't want to discourage you but as a newly wed the last thing you and your FI want to worry about is a negative reporting you your credit card. Saving $300 now is not worth the damage you can do.

 

Good luck - and congrats on booking!

Link to comment
Share on other sites

Hello! Thanks for your replies, ladies!

 

I ended up just sticking with what we originally booked, and took the hit of the $300 instead of getting screwed over with the CC company.

 

I looked on expedia and the price has went down even further now for the same day we are travelling.

 

That's expedia for ya ....and life ..... sucks but what can you do? At least I am going away!!!! :) :)

 

For any GP Lady Hamilton brides, I will take some pics and post them upon my return. :)

 

Angela

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Best Destination Wedding Sponsors



    Facebook Pinterest Google+ Twitter
  • Posts

    • Hi everyone! I have been doing lots of research on various wedding venues all around Mexico, my fiance wants a destination wedding and I am happy to have a wedding wherever so long as the vibe is right and guests are happy!  I have been seriously looking at Cabo Azul and was trying to find potential costs for them, but only found a page about their wedding costs from 2010. Does anyone have any updated information on costs / reviews they would like to share of this venue? Or advice in general, anything helps. Thanks so much, happy wedding planning to all!
    • Hello everyone, I am dreaming of a wedding in Costa Rica and was wondering if I could get any help with venues and wedding planners. I am thinking Tamarindo because a close friend of mine lives there and I've been in town more than a couple of times, she's being helpful but is at a loss when it comes to this subject really so I was wondering if anyone here had recommendations. I am not closed to other town suggestions either, if I happen to find a good place and staff somewhere else. These are the places I have so far, has anyone had any experience with any of them?  Stay In Tamarindo Luxury Villas in Costa Rica Luxury Villas Pinilla Tropical Homes of Costa Rica The Point Luxury Villa Thank you so much for your help!
    • Have you ever considered having a wedding inside a bubble? With the current global situation, many couples are looking for unique and creative ways to celebrate their special day while keeping their guests safe. A wedding inside a bubble could provide a whimsical and intimate setting for your ceremony and reception. Imagine saying your vows surrounded by a beautiful bubble filled with twinkling lights and flowers, creating a magical atmosphere for you and your loved ones to enjoy.
    • Adult only resort or not? Let's discuss the pros and cons of choosing an adult-only resort for your honeymoon. While some couples may appreciate the peace and quiet that comes with an adults-only environment, others may prefer a more family-friendly atmosphere. What are your thoughts on this? Have you had any experiences at adult-only resorts that you'd like to share? Let's hear your opinions and recommendations!
    • When it comes to planning a wedding, one of the most exciting parts is choosing the perfect wedding favours for your guests. These small tokens of appreciation are a great way to thank your loved ones for being a part of your special day and to make them feel appreciated.
  • Topics

×
×
  • Create New...