{"id":2870,"date":"2022-07-17T20:49:35","date_gmt":"2022-07-17T18:49:35","guid":{"rendered":"https:\/\/www.top5credits.com\/no\/?p=2870"},"modified":"2022-07-17T20:50:16","modified_gmt":"2022-07-17T18:50:16","slug":"kredittkort-maksgrense","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/no\/finansiering\/kredittkort\/kredittkort-maksgrense\/","title":{"rendered":"Kredittkort maksgrense"},"content":{"rendered":"\n

Maksgrensen p\u00e5 et kredittkort er hvor mye penger du kan bruke hver m\u00e5ned p\u00e5 kredittkortet ditt.<\/p>\n\n\n\n

Grensen kan v\u00e6re alt fra 5 000kr til mer en 200 000kr per kort og per bank<\/p>\n\n\n\n

Maksgrense \u00f8kning.<\/h3>\n\n\n\n

De fleste kredittkort har en standard grense som kan \u00f8kes hvis det blir n\u00f8dvendig<\/p>\n\n\n\n

Det fungerer som f\u00f8lger:<\/strong><\/p>\n\n\n\n

Logg p\u00e5 banken din p\u00e5 nettet.
I menyen velg kredittkort og deretter kan du \u00f8ke eller endre grensen.
Fungerer dette?<\/p>\n\n\n\n

Pr\u00f8v stegene under<\/h3>\n\n\n\n

Ta kontakt med banken din.
Si at du vil \u00f8ke grensen p\u00e5 kredittkortet ditt.
Banken vil s\u00e5 se om du har h\u00f8y nok inntekt til \u00e5 \u00f8ke grensen.
Er du allerede p\u00e5 maks? Da kan det l\u00f8nne seg \u00e5 s\u00f8ke om et kort nummer to<\/p>\n\n\n\n

\u00c5 sette inn penger<\/h3>\n\n\n\n

De fleste som tilbyr kredittkort, vil la deg \u00f8ke maksgrensen ved \u00e5 manuelt sende penger inn p\u00e5 kortet<\/p>\n\n\n\n

Maksgrensen din blir dermed \u00f8kt med mengden som har blitt satt in p\u00e5 kortet. Som en bonus, vil du f\u00e5 renter p\u00e5 kortet hvis det er igjen en viss mengde.<\/p>\n\n\n\n

Personlig maksgrense<\/h3>\n\n\n\n

American Express er det eneste kredittkort firmaet som ikke har en maksgrense per kort. I stedet er grensen bestemt p\u00e5 bakgrunn av din personlige profil, inntekt og bruk.<\/p>\n\n\n\n

Som regel er maksgrensen fra American Express h\u00f8yere enn hos andre firmaer. Det er fordi du m\u00e5 betale alt du har l\u00e5nt tilbake p\u00e5 slutten av m\u00e5neden, alt p\u00e5 en gang. Derfor vil du ikke skylde noe neste m\u00e5ned.<\/p>\n\n\n\n

Forh\u00e5ndsbetalt kredittkort<\/h3>\n\n\n\n

Med et forh\u00e5ndsbetalt kredittkort er maksgrensen det samme som du har lagt inn p\u00e5 kortet.<\/p>\n\n\n\n

Det er derfor umulig \u00e5 havne \u00abi det r\u00f8de\u00bb Et forh\u00e5ndsbetalt kredittkort er derfor enklere \u00e5 f\u00e5 tak i enn et vanlig kredittkort<\/p>\n\n\n\n

Hvordan fungerer grensen (+ eksempler)<\/h3>\n\n\n\n

B\u00e5de en transaksjon og reservasjon er trukket fra perioden.<\/p>\n\n\n\n

Husk ogs\u00e5 at b\u00e5de betalinger og reservasjoner som havner utenfor maksgrensen ikke blir akseptert av banken.<\/p>\n\n\n\n

Eksempel 1<\/strong>
Anne har et VISA-kort med en maksgrense p\u00e5 25,000kr. For ferien hennes 8. August booker hun et hotellrom i sju dager for 7,500kr.<\/p>\n\n\n\n

N\u00e5r hun kommer fram leier hun en leiebil. Leiebilen koster 2,200kr, men leiebilbedriften tar 8,000 i depositum<\/p>\n\n\n\n

Maksgrensen til Annes kredittkort for august er som f\u00f8lger
Mengde
Hotel 7500kr
Leiebil 2,200kr
Depositum 8,000
Total 17,700kr
For august har Anne fortsatt 25,000- 17,700=7,300 kr som st\u00e5r igjen.<\/p>\n\n\n\n

P\u00e5 slutten av m\u00e5neden m\u00e5 Anne betale en kredittkortregning p\u00e5 7,500 + 2,200kr = 9,700kr.<\/p>\n\n\n\n

Til slutt vil depositumet bli gitt tilbake (hvis alt g\u00e5r bra) fra leiebilbedriften.<\/p>\n\n\n\n

Eksempel 2<\/strong>
Tobias har et studentkredittkort med en maksgrense p\u00e5 10,000kr
Mens han er p\u00e5 ferie i USA, booker han et hotellrom i fem dager for 4,800kr
Hotellet skal ha 4,800kr i tillegg som depositum som ikke er uvanlig i USA
Tobias er sjokkert n\u00e5r han logger p\u00e5 kredittkort appen sin: N\u00e5 er maksgrensen hans bare 400kr (10,000 \u2013 9,600 = 400)
Fordi Tobias trenger mer penger, bestemmer han seg for \u00e5 sette inn 5,000kt fra sin egen bankkonto inn p\u00e5 kredittkort kontoen.
Hans nye maksgrense er n\u00e5 5,400kr<\/p>\n","protected":false},"excerpt":{"rendered":"

Maksgrensen p\u00e5 et kredittkort er hvor mye penger du kan bruke hver m\u00e5ned p\u00e5 kredittkortet ditt. Grensen kan v\u00e6re alt fra 5 000kr til mer<\/p>\n

Fortsett \u00e5 lese Kredittkort maksgrense<\/span><\/p>\n","protected":false},"author":22,"featured_media":2877,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-artikkeli.php","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[134],"class_list":["post-2870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kredittkort","tag-kredittkort-maksgrense","entry"],"yoast_head":"\nKredittkort maksgrense - Top5Credits.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/no\/finansiering\/kredittkort\/kredittkort-maksgrense\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredittkort maksgrense - Top5Credits.com\" \/>\n<meta property=\"og:description\" content=\"Maksgrensen p\u00e5 et kredittkort er hvor mye penger du kan bruke hver m\u00e5ned p\u00e5 kredittkortet ditt. 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