Reduce credit limit - 未名空间MITBBS历史存档

国际科技财经博客移民网络热点娱乐民生时事公众号

Redian新闻

>未名空间

>Money - 海外理财

Reduce credit limit

Reduce credit limit# Money - 海外理财

j*d2013-12-17 08:12

1 楼

My neice in China is asking for using my credit cards to pay application
fees to US graduate schools. She used a LiuXue agency to do her application
, and the card # will be provided to the agency. I want to help, and my cc
has high credit limit.
To limit the risk in case my credit card information become leaky at the
agency, I would like to call the bank to reduce the credit limit to $800,
good to pay the applications fee. If the agency misuse it, no more than $
800 of loss before I know it is misused and try to dispute.
Will there be any negative impact on my credit score if the bank reduce the
credit limit upon my request?

d*j2013-12-17 08:12

2 楼

去买visa gift card呗，买张500的。

s*92013-12-17 08:12

3 楼

If you care about your credit, DON'T do this. This action will seriously
affect your credit score since your total credit limit contributes to your
credit score around 30%~40%.
If I were you, I won't have this concern. Almost all US credit card are
fraud charge liability free.

J*A2013-12-17 08:12

4 楼

对，visa gift card

h*n2013-12-17 08:12

5 楼

virtual CC number, can limit the exp date and amount

w*r2013-12-17 08:12

6 楼

为什么要给留学机构，直接让那边做好材料一并寄过来，然后你填上支票转寄出去，你
也就是帮付了支票费用和邮寄费用，还没有多少，还能替他省钱，因为他只要一次寄往
美国，你本地的费用比他单个寄学校便宜多了。

v*e2013-12-17 08:12

7 楼

办张副卡

application
the

【在 j********d 的大作中提到】

: My neice in China is asking for using my credit cards to pay application
: fees to US graduate schools. She used a LiuXue agency to do her application
: , and the card # will be provided to the agency. I want to help, and my cc
: has high credit limit.
: To limit the risk in case my credit card information become leaky at the
: agency, I would like to call the bank to reduce the credit limit to $800,
: good to pay the applications fee. If the agency misuse it, no more than $
: 800 of loss before I know it is misused and try to dispute.
: Will there be any negative impact on my credit score if the bank reduce the
: credit limit upon my request?

j*d2013-12-17 08:12

8 楼

Thank you all for the replies.
Virtual CC # sounds a way to go. Can one virtual CC# be used repeatly
withinn
a few weeks?
I don't like the way how my niece handle the applications, like pay a lot to
the agency to do it (and the agency is still asking for cc to pay the
applications fees), instead doing applications herself. I am worrying if
she can't handle the applications herself, how can she be independent enough
to be successful studying in an US school. Anyway, I am a helper here,
trying to provide little support, not in a position to change her decision
of pursuing study aboard.

h*n2013-12-17 08:12

9 楼

as long as it's not expired, just like a cc.