3 ms·

Why would you raise the card limit? Panic?

• StavrosK 7y ago
  In my case, it was because it's a thing that happens frequently. I set limits low and I routinely get transactions failing, so I raise/remove the limit and they retry. It generally happens when recurring bill payments come through, so I didn't really think much of it, I did what I do when a transaction fails. If I had seen the amount, I definitely wouldn't have done anything like that.
  • Double_a_92 7y ago
    > I set limits low and I routinely get transactions failing, so I raise/remove the limit and they retry. What's the point of a limit, if you automatically remove it whenever something is over the limit?
    • StavrosK 7y ago
      It didn't start out like that, but yep, it just trained me to override it. The rationale was that I could first see the transactions that fail, but the UI doesn't encourage that.
    • CathedralBorrow 7y ago
      What's the point of a banking app, if it doesn't show you the failed transaction after sending you a vague notification about a limit being reached (due to that transaction)? It's weird to me that the focus is on Stavros not doing this or that, when the original failure was the bank's. If the notification had said "This transaction here failed because it hit the limit" none of this would have happened. If the app had shown that transaction in the list, none of this would have happened. Yet here we are asking why the user didn't react perfectly to the failures of the bank. It's weird.
• Dayshine 7y ago
  If it happened to be the day your bills go out, you might just assume you messed up in your planning. And there's no weird transaction listed, so assuming it's a standing order wouldn't be unusual. And yeah, "panic", the fees for missing payments on some bills can be fairly high so you probably can't wait till beyond 2pm that day.