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Old 23.07.2011, 13:54
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Re: Swiss bank accounts - monthly limit and overdraw

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As a consultant I am travelling a lot. So my credit card invoice is usually quite big. Sometimes it happens that my credit card gets charged to my bank account before my company reimburses me the expenses. One time it happened that my credit card bill exceeded my current bank balance (we talk about 200 CHF out of 7.000). My bank should perfectly know that 2 days later my company reimburses me my expenses (always the 25th of the month). Nevertheless, they declined my credit card bill, as it is not allowed to overdraw the account.
Why not ask the bank to change the terms of your CC so they send you a bill and you can pay off only the minimum, then the rest when your company reimburses you??

This method will involve interest payments...
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Old 24.07.2011, 17:20
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Re: Swiss bank accounts - monthly limit and overdraw

Interesting thread.

Does anyone know how this is with regards to the Zürcher Kantonalbank - and particularly their student account?

Obviously as a student I won't be receiving a full-time work income (although I will have part-time and student loan income from the UK to transfer over), therefore I could foresee strict withdrawal limits for me. I'd appreciate it if anyone had any more information on this as a quick look on their website hasn't answered my question already.

An overdraft would be nice to be able to have too, but not a requirement really.
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