mcgyver Posted September 25, 2013 Share Posted September 25, 2013 (edited) Hello All, This credit card issue requiring a large transaction limit in order to pay the visa fee with a single transaction seems to be a bottle-neck for many including me. Australian immigration rules are straight forward for visa type 189. So, I would not think about filing my application by an authorized lawyer. But since I do not have a credit card with such capability, I have no choice but to pay a lawyer to file my case! As strange as it may sound, that is like paying him for letting me borrow his credit card only! Please share how you are going around the credit card problem. Thanks. -- mcgyver Edited September 25, 2013 by mcgyver spelling Quote Link to comment Share on other sites More sharing options...
NickyNook Posted September 25, 2013 Share Posted September 25, 2013 This credit card issue requiring a large transaction limit in order to pay the visa fee with a single transaction seems to be a bottle-neck for many including me. Is it? I've never read of it being a problem for anyone in the past. How much do you need to pay? Quote Link to comment Share on other sites More sharing options...
Chardy Posted September 25, 2013 Share Posted September 25, 2013 Paid with my debit card no problem back in 2011. Sent from my iPhone using Tapatalk - now Free Quote Link to comment Share on other sites More sharing options...
AJ Posted September 25, 2013 Share Posted September 25, 2013 Never heard of this either. If your transaction limit is too low, contact your cc company and get them to raise it, as long as you have enough credit limit I don't see it being a problem Quote Link to comment Share on other sites More sharing options...
Lakaal Posted September 25, 2013 Share Posted September 25, 2013 Hi I too had this problem as our visa being a family of five was 6800 and we only had 5000 credit limit. In the end we had to have several meetings with bank manager to agree to allow transaction through. I at the time posted in poms in oz and there were others in the same bother. It is a problem for people now due to visa price increases. Especially larger family sizes. Quote Link to comment Share on other sites More sharing options...
gtaylor30 Posted September 25, 2013 Share Posted September 25, 2013 If you have the money, why not just put it on the credit card before making the transaction? For example, if the balance is 0, and the available credit is 1000, if you put the whole 5000 or whatever on the card, your available balance would be 6000, thus enabling you to make the transaction. Quote Link to comment Share on other sites More sharing options...
Grecia Posted September 25, 2013 Share Posted September 25, 2013 If you have the money, why not just put it on the credit card before making the transaction? For example, if the balance is 0, and the available credit is 1000, if you put the whole 5000 or whatever on the card, your available balance would be 6000, thus enabling you to make the transaction. AFAIK that would be a credit balance, not a credit increase. Better to just get a prepaid credit card and whack the cash on that. Quote Link to comment Share on other sites More sharing options...
Lakaal Posted September 25, 2013 Share Posted September 25, 2013 Gtaylor30 it is my experience Banks will not let you lodge the money and do transaction - which is crazy . I was 2 weeks sitting with the money trying to get a bank to agree to let me spend it!!! Most of the prepaid credit cards have also a limit under 5000 euro. I could not find one over 5000. In the end our bank manager agreed but we had To submit a lot of documentation to them - almost as much as the visa application. We have had a credit card with thrm fir 5 years and never one missed payment. And we went to the meeting with 7000 cash sayin take it and let us do transaction, even then they weren't pushed... Quote Link to comment Share on other sites More sharing options...
gtaylor30 Posted September 25, 2013 Share Posted September 25, 2013 Fair enough Lakaal, I just know that's the way it works with both my credit cards, both fortunately enough have large enough limits on them anyway. Quote Link to comment Share on other sites More sharing options...
gtaylor30 Posted September 25, 2013 Share Posted September 25, 2013 AFAIK that would be a credit balance, not a credit increase. Better to just get a prepaid credit card and whack the cash on that. It wouldn't be a credit increase, but could give you the correct balance to actually pay for the transaction, which I believe is the OP's main point. Quote Link to comment Share on other sites More sharing options...
Shearer Posted September 25, 2013 Share Posted September 25, 2013 We paid with our debit card this month and it went through no problem. We had funds in account so was no issue regarding payment. It was a 189 visa that be applyed and paid for. Hope this helps Quote Link to comment Share on other sites More sharing options...
mcgyver Posted September 25, 2013 Author Share Posted September 25, 2013 Shearer, are you in Australia? For those outside Australia, a "fat" credit card is the only option, for the 189 class. Quote Link to comment Share on other sites More sharing options...
HappyHeart Posted September 25, 2013 Share Posted September 25, 2013 You can pay on a debit card, this is a non issue Quote Link to comment Share on other sites More sharing options...
Chardy Posted September 25, 2013 Share Posted September 25, 2013 Yep UK debit cards are fine as long as it is not an ELECTRON or similar and of course the funds are in the account ! Sent from my iPhone using Tapatalk - now Free Quote Link to comment Share on other sites More sharing options...
Que Sera Sera Posted September 25, 2013 Share Posted September 25, 2013 We never had credit cards but we did have an agent can't remember how we paid in all honesty! Quote Link to comment Share on other sites More sharing options...
Lakaal Posted September 26, 2013 Share Posted September 26, 2013 I am in Ireland Our laser card (debit cards) have a daily transaction limit of €2500. Don't know where OP is from. Hope they get it sorted Quote Link to comment Share on other sites More sharing options...
Shearer Posted September 26, 2013 Share Posted September 26, 2013 Im in bonnie Scotland - Paid with royal bank of Scotland current account debit card and never had an issue at all. Hope you get it sorted Quote Link to comment Share on other sites More sharing options...
Mirwais Posted September 26, 2013 Share Posted September 26, 2013 (edited) It is a problem for countries with small Per Capita Income and in my Country this AUD 3060 is considered Money laundering if baseless. I too had this problem, was planning to apply on my BD on 10 June 2013 and did not think that arranging a credit card will be a problem which was and it took me 8 days to find one and make payment after some aggressive debates with the bank to allow transaction. Edited September 26, 2013 by Mirwais Quote Link to comment Share on other sites More sharing options...
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