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1. What happens if we exceed the limit of quarterly/annual lounge access on credit or debit card? Does the transaction fail or does the card get automatically charged the full amount? 2. Can we swipe the same card in the same lounge twice in the same day? For example, during a long layover.

Wanted to understand how does calculation of credit card anniversary spends work? Is it linked to statement cycle or purely based on card setup date? For example, if the credit card was approval/setup date is 29th June, 2021 and first statement date is 15th July, 2021 then which of the below...