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It's VERY annoying to have my Adwords campaigns stopped because the payment didn't go through, have to change credit cards on the system, and then do it all over again once the limit runs out.
I have already tried to get Adwords to invoice me, but they were unwilling to offer me invoicing since i'm not a registered company with a 2-year track record.
I was actualy thinking about using my network to find referred companies whom I can "rent" unlimited credit cards from...not sure if a company would actually allow this though.
As a side note, Google Adwords has also told me I can't use Adsense revenue to pay for Adwords, even if I ask them to do this manually.
Thanks for your suggestions, if any?
This pulls money straight from a bank account, so there is no limit involved other than what you actually have in that specific account.
make sure your bank issues debit cards with the visa, mastercard, etc logo on it - which I think most banks do.
then just use the debit card the same as a credit card - put the info into G and it'll process it.
If this does...oh my..i will be the happiest internet marketer in the world! :)
Better question :: Why didn't the many Google reps I have been speaking with offer debit card as a suggestion?
I've been speaking with them for months about this...argh!
Also, American Express' supposed no-credit limit cards do in fact have a credit limit. I found this out the hard way through trial and error. I just got a no limit card in february, started using it and then after it hit about $10,000 they stopped allowing the payments. They stated, upon multiple conversations, that the average account balance in your account is halved to determine your credit limit.
Therefore if you have $30,000 average account balance, your credit limit is about $15,000.
Now, if you account with AMEX is new, then automatically your limit will be within $8-10k. Very annoying.
What have I learned from this entire process :: It takes more than money to make money. It takes time, credit history, contacts at banks and credit card companies, and even more time!
Don't know if you're able to do this on any of your credit cards - but online banking is a great boon if you can as you can check your balance daily (or however often) and just top up as needed, then once you know how things are going, just set it up to automatically transfer **** daily...
There's no need to wait for the CC bill to pay it ;-)
joined:Jan 31, 2004
I ran a business off of a credit card once. I just paid it off several times a month. Just send a payment to your credit card company every few days.
If the problem is that you have the money in the bank, but don't have the credit line - use a debit card.
...Why didn't the many Google reps I have been speaking with offer debit card as a suggestion?
Good point, ideaguru. I've just alerted every single advertiser support person to be sure to suggest this option, next time they field the question.
And thanks eWhisper, for bringing up the solution.
I usually spend about $10,000 - $12,000 a month on AdWords. They basically gave me a credit line for $20,000 (they hold the money) and my AdWords usage deducts from that balance. Every month I have to pay the invoice for the loan, which replenishes the amount available.
Call your AdWords sales rep and ask about it. They don't do it for everyone, you have to spend a certain amount of money with them (plus be an established customer for a while). Before I did that, the credit card I was using only had a $15,000 limit so I had to make sure I didn't spend anything else on that card and make sure that the bill was paid EARLY every month (since the AdWords billing cycle wasn't in sync with when I received my card statement) to make sure there was always money available, and it was a real pain in the butt to keep up with.
Doing it using their credit line solved my problem. It's a lot easier to just write a check to Google every month when that invoice comes in.
For some reason, Google does not give invoicing to users who don't have a registered business. In addition, even if they did, it's very difficult to get a $200,000 credit limit...
There has to be another solution out there?
I already pay off my credit cards every few days, and it's very annoying to do this if i'm travelling.
I can't really answer your question since I don't spend that much & it hasn't come up. It would be worth a phone call to ask them though.
Another solution would be to do it through American Express. I don't know what their limits are for personal accounts, but I often spend more than $75,000 a month on my Corporate Amex and pay it off every month. I've had that card for about two years though. You can always ask them to extend the cap, if your credit is good enough and you have a good payment history with them. That would also solve the problem.
It probably will mean you'll end up tripping the fraud control mechanism at your bank several times a month and then have to confirm details before the account goes back online.
didn't think about that...which one's are good to use?
As for getting a $75,000 cap from an AMEX corporate card...i don't know how you got so much? they just gave me $10,000 and i've been with them for over a year.
joined:Jan 31, 2004
If your credit score and income justifies a 100k limit, then ask them to increase it. If it doesn't, don't bother.
Also if you accept the American Express card (allowing customers to pay), let them know that as it will have some weight. The volume you do in Amex transactions can help increase your limit on a card for that same company.
I remember once a few years ago I had exceeded my debit card's daily limit over a long weekend and on Sunday one of my tires blew. When I tried to pay for the new tire, it was declined even though there was plenty of money in there. I called the bank and explained the situation and they increased the limit and let the charge go through.
I don't know if that was a temporary increase or a permanent one since the situation has never come up again, but I do know that on my business debit card (Visa Check-card for a business bank account) I was able to have them increase the daily limit from $600 to $2,000 because of how often I used the card.
Call the number on the back of your card or go to a branch and ask. Banks make money every time you use your visa-logo card, so they'll probably want to help you use it more :) The limits are for security incase someone snags your card they can't go crazy before you figure it out and shut it off, not to restrict your ability to buy stuff.
[edited by: digitalv at 6:15 pm (utc) on April 1, 2004]
The problem for me is slightly different - my debit card has a DAILY spend limit on it
Talk to your bank, or choose a different one. I had this problem with one client, and the bank recogonized the issue, and changed it so that the charges from OV & G did not count against the daily spending limit.
The new one, of course, had the usual €300 daily limit on it.
The best suggestion I have seen that is applicable for canucks is to pay more than the amount you owe to your CC company so that you have a credit on your account.