Guys,
Just want to share some of thoughts with my fellow members whoever opted for Credit Card payment and has not been charged yet for the processing fee. We all know how desperately we all are waiting for the payments to get charged and move on to next stage for the PER.
Friends it's very important that there should be no processing glitch or hurdles at time of processing the fees. I'm listing some to the guidelines which we can take into the consideration.
Here are some reasons credit card might be declined and ways to avoid the situation:
- Odd spending pattern - If your card provider notices strange patterns in your spending habits they may well put a block on your credit card for security purposes. If you only ever use your credit card a couple of times a week for very small purchases, and then in one day there are 3-4 large purchases made you issuer may flag the activity as strange and potentially fraudulent and will block the card.
- Available credit limit - Regularly keep an eye on your available credit limit. I would say it's better to deposit extra or park some extra money into the Credit Card account for the time being, let credit card balance should go negative for the couple of months.
- Avoid making multiple purchases at the same store (or website) within a few minutes of each other.
- You have a suspicious charge - Credit card companies can be quick to freeze an account if they suspect fraud
- Daily limit – Some credit cards have daily spending limit within the terms and conditions. If you have not read your terms properly you may not be aware of these and this could result in you overspending and having a transaction declined.
- Spending abroad – If you are going abroad you should really contact your card provider to let them know. If they suddenly see a range of transactions happening overseas, they may well suspect fraud and block your card.
- A temporary hold has been placed on your card – say for a rental car or hotel reservation – that puts you over your credit limit. Always ask whether a hold will be placed, how much and for how long, and factor that into your remaining balance calculations.
- You miss a monthly payment. Card issuers may let this slide once or twice, depending on your history with them, but eventually if you don't make at least the minimum payment due, your card will probably be frozen and declined for the future transactions
- Keep Them Informed - It's better to contact your card provider and let them know of your Canada Immigration transaction, by this you are authorizing the bank to process the transaction.
- Check the maximum amount your card can be charged at a single time. If the declined charge in your account is higher than this amount, try asking your credit card company to increase the limit.
- Make sure that your card can accept international charges.
- Also check if any supplementary cards are issued on your primary card, keep a check on those cards usage also.
- If you get a replacement card during this waiting period, then please do not activate it. The movement you activate new card, the old one will be automatically be deactivated. And guess what CIC will do...?
- Last but not the least, I would say it's better to keep the card in the safe, and try to avoid using it for your day to day transactions, till the time CIC charge the payment. It's better to be Safe than Sorry.
I would appreciate if anyone can add more into this, so that it will be more helpful for us.
All the best!
Cheers!