Topic: 有个信用卡的问题请教大侠：信用卡只有1000块的限额，先刷一次500，再刷600，会什么结果？不同的商店。 @枫下论坛 The Rolia Forum

枫下家园 / 生活杂事 / 有个信用卡的问题请教大侠：信用卡只有1000块的限额，先刷一次500，再刷600，会什么结果？不同的商店。 -thunderbird(fly); 2002-1-22 (#343911@0)

超过limit, 有不良记录。你可以在刷第一次后，往信用卡里deposit一些钱，只要1000－500＋deposit> 600再刷就没有问题 -heian(㊣黑暗天使); 2002-1-22 (#343917@0)

怎么个不良法？昨天卖机票一下子刷了900，当时没问题，也过了，后来又冒出来一个上周末刷的150多。多出来的部分会罚我么？ -thunderbird(fly); 2002-1-22 (#343920@0)
这点小事不会出现在信用记录里，不要随便吓人 -simonxf(simon); 2002-1-23 (#344336@0)

小事 -jacky2001(beyond); 2002-1-23 {242} (#344395@0)
我以前用抵押来的信用卡的时候，也是1000的信用额度，我有一次累计总共刷到1200，还想再刷，结果连卡也被封掉了，后来我去分行付了钱，他们就又打电话去卡部，把卡给开通了，当时明确告诉我，不会影响信用记录，后来我申请不用抵押的信用卡，也很顺利地给我了。

IF you did without permission, you would lose yourself. -hardy(欧阳费劲); 2002-1-22 (#343919@0)

啊？如此严重啊。主要是有滞后，昨天刷的时候还没问题，今天一看，那150多上来了，一加岂不是要超1000么？我需要马上往上填钱么？ -thunderbird(fly); 2002-1-22 (#343923@0)

poonu gave you an accurate answer. take care. -hardy(欧阳费劲); 2002-1-22 (#344028@0)

马上存钱进去，再打电话解释不是恶意的。 -poonu(poonu); 2002-1-22 (#343924@0)
check your agreement with the card. My cards allow 5% over the credit line without penalty. then there is a penalty ($25) each time I exceed that limit (105% of credit line). But it never happens, though I did try -gitar(lala); 2002-1-23 {90} (#344448@0)
to over-spend my credit limit several times by accident. Each time the request was denied.

I saw my credit record. With each credit card, there is only one comment: "paid/never late". -gitar(lala); 2002-1-23 (#344450@0)

call you credit company to increase your credit limit. -positive(Chinese); 2002-1-23 {454} (#344481@0)
I had a bad experience last year when I was in US. After a couple of weeks of continuous travel, I ran out of my credit limit. I had to call my bank every time I used my visa card. The credit card company even called my employer because I was travelling on business. Later on, I called my bank to increase my credit limit to 22000 and applied another credit card. Now I have two cards and over 40000 credit limit, so I don't need care about it any more.
信用卡使用常识 -ppmm(蓝妹妹); 2002-1-23 {447} (#345330@0)
超过限额部分不大一般没有什么问题，（要有问题的话在你划卡的时候就不会让你通过）；不良记录只会因为你没有及时付款或者不付款才有；抵押信用卡要增加信用额度需要再增加抵押金额，同你工作收入无关；非抵押信用卡一般在使用半年之后可以向信用卡公司提出增加额度，额度的增加同你的家庭收入，过去半年使用记录有关；信用卡可以申请2-3种不同种类以适应不同商店的需要，例如visa+mastercard+american express；额度也不是越高越好，根据个人需要，否则卡丢失或被人盗用也很麻烦。