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?

 

[Riya Sharma]

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.

 

[Riya Sharma]

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 🙇‍♂️