About a month ago, a bank officer from SCB called up to ask whether I had any balance transfer from other credit cards or I need any fast cash. I thanked her for the offers and told her maybe she could help me to increase my credit limit. Yeah, I was walking on the fine line.
(In fact two years ago, SCB had already increased my credit limit by 25% permanently as compared to before that)
She said she had to transfer me to Customer Service and put me on hold for more than three minutes. I decided not to wait and hung up my mobile phone. She called back and apologised. Once again she transferred me to Customer Service and I was attended to after being left on hold for less than one minute.
I told the lady attending to me whether the bank could temporarily increase my credit limit by 50% so that I could pay my semi-annual ING insurance payment in one transaction. She told me she would try her best but the norm is usually only 20%.
A fortnight ago I received the confirmation from SCB. They could only allow an increase of 20% which meant I had to pay part of my ING insurance payment by credit card and the balance by cash. I also have MBB credit card as well but coincidentally it expired this month and I have not gone to the bank to get the new one.
I told my ING insurance agent DL to swipe the transaction after a certain date. My intention in doing so was that I could pay the large sum by end of next month (so as to give me an extra month to accumulate more cash) instead of by the end of this month.
So banks’ regulations are not as rigid as we think. They do cater for special requests. All we have to do is ask and wait for the answer.
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