Can cards have overlimit allowed by default?

[Rdspam]

I made a purchase on my one card and then later checked statement to find almost 500 in overlimit fees added to the final amount. I never set overlimit on. Can banks keep it on by default?

Also, will getting a refund for the transaction also reverse the associated overlimit fees?

 

[Pissant]

Yes they can. You have to turn it off for most banks when you get the card. No getting a refund will not reverse the over-limit fees but if you write an email to the bank's PNO maybe they might consider doing it.

 

[Rdspam]

Yes they can. You have to turn it off for most banks when you get the card. No getting a refund will not reverse the over-limit fees but if you write an email to the bank's PNO maybe they might consider doing it.

Ah sucks, this is the first time I’ve had it turned on by the bank as a default. All my other cards have it off and ask me to enable it myself first.

 

[Pissant]

Ah sucks, this is the first time I’ve had it turned on by the bank as a default. All my other cards have it off and ask me to enable it myself first.

Is it Axis? Mine came turned on too.

 

[Rdspam]

Is it Axis? Mine came turned on too.

Nope, One Card issued by federal bank

 

[Kumar93196]

Nope, One Card issued by federal bank

If it's your first time using OVL than bank will return all the charges just drop a mail toh there customer care.

 

[Rdspam]

If it's your first time using OVL than bank will return all the charges just drop a mail toh there customer care.

Even one card follows this?

 

[Kumar93196]

Even one card follows this?

Each cards follow the same.

 

[Rdspam]

Each cards follow the same.

Thank you 🙇‍♂️

 

[disloader]

I was in a hurry, and accidentally made an amazon order, without checking my available limit. While paying, the amount shown was the original amount of the product, however, I was slapped with an over limit fee on that order as I checked my transactions (OneCard). I immediately cancelled the order. Will the over limit fee be reversed too?

 

[Pissant]

I was in a hurry, and accidentally made an amazon order, without checking my available limit. While paying, the amount shown was the original amount of the product, however, I was slapped with an over limit fee on that order as I checked my transactions (OneCard). I immediately cancelled the order. Will the over limit fee be reversed too?

No it won’t be reversed on it’s own, but you could email onecard to reverse as a one time gesture.

 

[disloader]

No it won’t be reversed

Man what a shame 🙁
Will requesting them to reverse help?

 

[Pissant]

Man what a shame 🙁
Will requesting them to reverse help?

Yeah. Send an email

 

[saniruidas]

I made a purchase on my one card and then later checked statement to find almost 500 in overlimit fees added to the final amount. I never set overlimit on. Can banks keep it on by default?

Also, will getting a refund for the transaction also reverse the associated overlimit fees?

Bro you receive the fee reverse ? Same thing happened with me . I call customer care 1st they denied then she told upto 200 possible. So I request by mail for full refund. Is it work for you ?

 

[Rdspam]

Bro you receive the fee reverse ? Same thing happened with me . I call customer care 1st they denied then she told upto 200 possible. So I request by mail for full refund. Is it work for you ?

Yes I got it reversed. I was adamant and told that I will complain to ombudsman. After that they said as a one time exception they will reverse.

As per RBI rules banks are not allowed to turn on overlimit without explicit consent.

 

[saniruidas]

Yes I got it reversed. I was adamant and told that I will complain to ombudsman. After that they said as a one time exception they will reverse.

As per RBI rules banks are not allowed to turn on overlimit without explicit consent.

I mailed pno of yes bank, let's see. If they don't I will go ombudsman.