Credit Card EMI for total amount greater than Monthly credit limit.

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I have a HDFC credit card with 20000rs monthly limit. Can I buy an item worth 30000rs with no cost emi for 9 months given by merchant? The Monthly installment would be 3.5k approx. 
Need immediate help. Thanks in advance.

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No,,you cannot purchase over your credit limit…You can do 1 thing,,make payment of 10k to your credit card and its credit limit will become 30k..then you can buy item on emi.

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Payment will not succeed as your card limit is 20k only. When you make the payment credit cards block the entire amount and release based on payments.

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