https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152047
Credit card query
- 537
- 18
-
- Last Comment
If my credit card limit is 50k , and i want to buy for 60k , can i pay 10k and then purchase it ??
Will i be charged for it citing OVER LIMIT CHARGES ??
Will overlimit be applied if i just go over limit ?
If i pay 10k more and credit limit now becomes 60k and i use 60k , will this also be called as over limit ? or not ?
Asking for axis card but i would like to know about all banks cards.
Expiring In
18 days
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
17 Comments
|
7 Dimers
- Sort By
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152052
60K in single txn or multiple?
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152061
You can't make a single transaction of 60k even after over paying.
Pay remaining 10k with voucher and 50k with card.
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152083
you can in sbi and icici, not tried in others.
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152181
irajnish wrote:thankyou ...You can't make a single transaction of 60k even after over paying.
Pay remaining 10k with voucher and 50k with card.
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152182
caks2006407 wrote:single ..
60K in single txn or multiple?
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152183
Kochiro wrote:do they charge extra ?? how do u do it ??you can in sbi and icici, not tried in others.
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152239
Expand
third.i.financial.advisors wrote:In SBI it is user specific, some users can't spend more than their card limit in a billing cycle even if you prepay all the amt or pay immediately after doing the txn. In ICICI I am not sure but now because of overlimit charges it is better to ask in email about such scenario.
do they charge extra ?? how do u do it ??
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152275
Kochiro wrote:you can in sbi and icici, not tried in others.
Icici Amazon Pay Also Not Possible, My Transactions Are Declined Already Tried...
System Checks The Available Limit While Completing Payment. If It Is Less Than Or Equal To 50k Then It Will Process Else Decline... If U Add Extra Money In Credit Card Won't Work
If Amazon , Add 10k To Wallet... Combine The Payment Wallet + Credit Card
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152276
Some Cards Support Over Limit With Some Charges..
For Idfc Charges 2.5% Of The Over Limit Amount, We Have To Enable Over Limit Permission In App
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152368
Expand
third.i.financial.advisors wrote:
do they charge extra ?? how do u do it ??
Simply add money and use that's all
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152370
Expand
UnderNation wrote:Icici Amazon Pay Also Not Possible, My Transactions Are Declined Already Tried...
System Checks The Available Limit While Completing Payment. If It Is Less Than Or Equal To 50k Then It Will Process Else Decline... If U Add Extra Money In Credit Card Won't Work
If Amazon , Add 10k To Wallet... Combine The Payment Wallet + Credit Card
I have bought laptops around 1 lac + using my 20k sbi card and 50k ICICI card
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152396
Earlier I shopped for 70k with my 30k axis limit by paying in advance.
Like shopped for 20k in one go and then transferred 20k and again shopped for 27k and then transferred the same amount.
Didn't charged overlimit fees though.
Also not paid more then the limit in one go.
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152720
Xhaster wrote:Earlier I shopped for 70k with my 30k axis limit by paying in advance.
Like shopped for 20k in one go and then transferred 20k and again shopped for 27k and then transferred the same amount.
Didn't charged overlimit fees though.
Also not paid more then the limit in one go.
Over Limit Means , When Credit Limit Is Exhausted...
Simply Pay , Add , Pay , Add Is Not Over Limit 
I My Self Do Like This Only.
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152735
Expand
UnderNation wrote:Didn't understood the role of 🙏🏻 here, but thanks for the reply anyway.Over Limit Means , When Credit Limit Is Exhausted...
Simply Pay , Add , Pay , Add Is Not Over Limit
I My Self Do Like This Only.
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152881
https://www.desidime.com/discussions/credit-card-query-93cbca76-4739-4917-90d2-e068db31011a?page=1#post_9152884
Xhaster wrote:Axis does not allow txn of more than card limit & overlimit charge is for such situation only. No restriction on using your card for more than your card limit in a billing cycle by prepaying/immediately paying the amt.Earlier I shopped for 70k with my 30k axis limit by paying in advance.
Like shopped for 20k in one go and then transferred 20k and again shopped for 27k and then transferred the same amount.
Didn't charged overlimit fees though.
Also not paid more then the limit in one go.
Click here to reply
Reply
