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Discussion Starter · #1 ·
Hello Friends,

I am trying to pay a Visa fee of 5370 AUD through my Axis Bank debit card. I tried making the payment, but i got an error stating "Declined". I found out online and came to know that it is due to the card limit. Initially I had a daily transaction limit of 4,00,000 but somehow it got reduced to 1.5 lakhs. I approached the bank and yesterday they confirmed that limit has been increased to 4 lakhs again. Today again I tried making the payment, but got the same error. They are currently working on it.

I saw few threads here in Expat forum and saw many making the payment through ICICI Travel card. I then approached ICICI for the travel card, but they said you need to have an account with us. so no luck here.

I then went to my second bank HDFC, in which I have opened the account just 1 month back. So they said as it is a new account, we cannot increase the debit card limit, and for travel card I need to provide valid travelling tickets.

Now I am in a dilemma what to do. One of my brother has got account in CITI bank and another has an account in Barclays UK bank. Thinking of trying these 2 banks as well.

Any inputs or alternatives that I can go for.

Regards,
Manjyot Singh
 

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Best if you can find some friend in Australia to pay for you. Use their credit card detail for the payment and pay them back as they desire....

I used one of my Senior brother credit card for the payment...so you look for friends who has credit card having high limit....
 

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Travel card would have been the best option for paying fees.

ELSE

* Try paying with your Brothers bank (this should work for you). And no need to run here and there for travel card.

* OR Wait for a your AXIS bank issue to be resolved and then use it for payment.




Hello Friends,

I am trying to pay a Visa fee of 5370 AUD through my Axis Bank debit card. I tried making the payment, but i got an error stating "Declined". I found out online and came to know that it is due to the card limit. Initially I had a daily transaction limit of 4,00,000 but somehow it got reduced to 1.5 lakhs. I approached the bank and yesterday they confirmed that limit has been increased to 4 lakhs again. Today again I tried making the payment, but got the same error. They are currently working on it.

I saw few threads here in Expat forum and saw many making the payment through ICICI Travel card. I then approached ICICI for the travel card, but they said you need to have an account with us. so no luck here.

I then went to my second bank HDFC, in which I have opened the account just 1 month back. So they said as it is a new account, we cannot increase the debit card limit, and for travel card I need to provide valid travelling tickets.

Now I am in a dilemma what to do. One of my brother has got account in CITI bank and another has an account in Barclays UK bank. Thinking of trying these 2 banks as well.

Any inputs or alternatives that I can go for.

Regards,
Manjyot Singh
 

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223 Posts
Discussion Starter · #4 ·
Hello Friends,

Atlast I have made the payment. Thanks to my brother who gave me million dollar idea.

Till yesterday I was struggling to make the payment through my Debit card. Approached 3 different banks for help, but was not successful.

I then transferred the amount to my brother's bank (CITI), and then again the same story continued. It reached its daily transnational limit and couldn't pay even yesterday.

I have a Credit card which has got a limit of 2,55,000 but I had to pay a visa fee of 2,90,000.
Then my brother suggested to push excess 40000 into your credit card. So i paid credit card amount, with an excess amount of 40,000. It has then increased the credit card limit to 2,90,000.

But still i was nervous as this was my only option left. But thankfully, payment went through :)

So all of you, if you are having any issue with your credit card limit, increase the limit by making the excess payment :)

Cheers,
Manjyot SIngh
 
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