Making extra payments to your credit card is a way increase your available credit if it’s not quite enough for that one purchase. Simply transfer some of your own money to your credit card and you’ll be able to spend over your card limit.
If you have a credit card without a credit limit, making an extra payment is the ideal way to quickly increase how much you can spend with the card.
"}},{"componentType":"paragraph","title":"How it works","richBody":{"value":"
The amount will be instantly available on your credit card.
Only the main cardholder can do this.
A positive balance on your credit card is when your available credit exceeds your limit. You can see that in My ING or in the ING App.
Example
Limit €1,500
Available €1,510
Here, there’s a positive balance of €10. You can transfer that amount to your current account.
"}},{"componentType":"paragraph","title":"How it works","richBody":{"value":"You can easily transfer a positive balance from your credit card to your current account in the ING App or My ING:
The amount will be instantly available on your current account.
Only the main cardholder can do this.
The button for a positive balance will remain visible for 13 months after the credit card has been cancelled. If you get a refund on a credit card purchase after those 13 months, please get in touch with our customer service.
"}},{"title":"Can I have a positive balance paid out to a different current account?","richBody":{"value":"You can only have a positive balance transferred to the current account linked to your credit card.
"}},{"title":"I can’t withdraw any positive balance","richBody":{"value":"You’ll only see the 'Withdraw’ button if you have a positive balance, you’re the primary cardholder and your credit card has not been blocked.
"}},{"title":"Can I have part of my card limit transferred to my current account?","richBody":{"value":"You can only do that if you have a credit card with spread payments: we call that an ‘additional balance’.
Please note that spread payments can no longer be requested.
"}},{"title":"I already have the highest available card limit. Is there a way to spend over that?","richBody":{"value":"
You can spend over your card limit by making an extra payment to your credit card to increase your available credit. There’s no limit to that.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Any questions?"},"textLinks":[{"url":"/en/personal/payments/creditcards/spread-payments","text":"How do spread payments work?"},{"url":"/particulier/hypotheek/jouw-hypotheek/hoe-aflossen","text":"Make an extra mortgage payment"},{"url":"/particulier/lenen/mijn-lening-gebruiken/extra-aflossen-op-je-lening","text":"Make an extra loan payment"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}