I wanted to make a purchase that was more than my credit limit. I contacted the company and was told that I should pay the amount of the purchase to them in advance, then they would approve the over-limit purchase. I sent an EFT that was credited to my account. When I tried to make the purchase, the charge was declined and FIA Card Services told me there was no way to approve a purchase over my credit limit. I asked them to send the money back. So far they have not done so. They are keeping my money ( {$50000.00} ) under false pretenses. 
