Do I still earn points if i have deposited over my credit card limit?

[jcsydney]

Hi
if i deposit say an extra $10K onto my credit card, which has a credit limit of $20k, i then have $30k available to spend, with $10k being my own money and 20k the banks.

I know that the first $10k spent on the card will be using my $, but will i earn reward points for this $10k?

Card used is the qantas platinum card.

Thanks

jc

 

[craven morehead]

YES with something like a NAB Platinum AMEX/Visa. However some cards will NOT allow an over payment (AMEX) and it will put your card on temporary hold. :mrgreen:

 

[cove]

Bank branded creit cards can be put into credit so that you can pay a bill in excess of your credit limit even if it runs two cards like a NAB Visa and a NAB Amex.Now if you have a directly branded Amex card you cannot do this as they can suspend your card while they refund you the over payment.

 

[cove]

Yes you will earn points on all of your purchases regardless of your account being in credit (but not on cash advances).