https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8970873
Yes you may pay and reuse
Credit limit excess
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Hello DD Family,
I have SBI cashback card (My first CC) and my limit is 20k. I need to buy different products worth 15k, 20k, 10k with SBI so that i will be getting 5% cashback.
May i repay the whole pending amount and use it beyond my credit limit per month?
If it so, I will get any penalty or reduce of CIBIL score? Please help me.
I have SBI cashback card (My first CC) and my limit is 20k. I need to buy different products worth 15k, 20k, 10k with SBI so that i will be getting 5% cashback.
May i repay the whole pending amount and use it beyond my credit limit per month?
If it so, I will get any penalty or reduce of CIBIL score? Please help me.
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https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8970879
Hello bro,
Welcome to the league and congrats on your 1st card that to sbi cb cc 
It's not advisable to completely use your 100% credit limit. Ideally it should just be 30-40% max to max.
Yes, banks do allow to overpay and use it fully so that you can do your txns in your cc but this is SBI that too SBI CB CC (5% cb on all online txns) so it's not at all wise to use it this way.
As far as all your CIBIL queries are concerned, you can refer to the below link which @shraaj has posted - https://www.desidime.com/discussions/credit-sco....
Hope this helps. 
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8970887
Visit for a user's realtime experiment/experience:
https://www.desidime.com/deals/need-advice-rela...
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8970904
u can use no issues, make sure by 30 or 31 of month outstanding is just 30% of limit so CIBIL is not hit
doing very often may lead to blocking of card by SBI
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8970982
caks2006407 wrote:u can use no issues, make sure by 30 or 31 of month outstanding is just 30% of limit so CIBIL is not hit
doing very often may lead to blocking of card by SBI
For sbi, the utilisation is reported to credit agencies on statement date rather than the month end. So it's advisable to have below 30% outstanding on the statement date.
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8970987
Fanil wrote:Yes you may pay and reuse
SBI card has a user specific restriction where a user can't spend more than their card limit in a billing cycle month. One will only know it after trying to spend more than card limit by prepaying/immediately paying the amount.
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8970992
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guest_999 wrote:Oh didn't know that.. thanks for the heads up. I was able to do this repayment and reusing a lot of times so assumed its available.
SBI card has a user specific restriction where a user can't spend more than their card limit in a billing cycle month.
@MrKool_JJ @caks2006407
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8971035
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Fanil wrote:It is user specific so some users face this restriction but others don't. I first saw this restriction on my friend's card in 2021 mid year so if you have not faced this restriction after late 2021 then most likely it isn't applicable for your card.
Oh didn't know that.. thanks for the heads up. I was able to do this repayment and reusing a lot of times so assumed its available.
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8971079
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guest_999 wrote:Some allow and some don't hmm so sbi doesn't have that okay....SBI card has a user specific restriction where a user can't spend more than their card limit in a billing cycle month. One will only know it after trying to spend more than card limit by prepaying/immediately paying the amount.
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8971240
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MrKool_JJ wrote:I don't know of any other cc company/bank which doesn't allow to spend more than the credit limit in a billing cycle month. Closest is indusind which doesn't give any reward points on amount spend over & above card limit in a billing cycle month.
Some allow and some don't hmm so sbi doesn't have that okay....
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8971303
@sirardx466
As per some users SBI doesn't allow them to use more than their cc limit in one billing cycle.
You won't get any penalty or CIBIL hit, since you are prepaying, but SBI might not allow.
Maybe if prepayment is overused, SBI puts some flag on the account to prevent business usage (not sure, just my guess)
https://www.desidime.com/discussions/credit-limit-excess?page=1#post_8971480
Prepayment & over limit use is possible in Sbi cashback card. I did 50k transaction on 35k limit.
If all three transactions are different then I’ll suggest to first do 1 transaction, pay the CC & then do 2 transaction & so on. Don’t prepay all sum in advance. This will save your money getting stuck in CC is transaction doesn’t go through.
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SBI card has a user specific restriction where a user can't spend more than their card limit in a billing cycle month. One will only know it after trying to spend more than card limit by prepaying/immediately paying the amount.
@MrKool_JJ @caks2006407
For sbi, the utilisation is reported to credit agencies on statement date rather than the month end. So it's advisable to have below 30% outstanding on the statement date.
Hello bro,
Welcome to the league and congrats on your 1st card that to sbi cb cc
It's not advisable to completely use your 100% credit limit. Ideally it should just be 30-40% max to max.
Yes, banks do allow to overpay and use it fully so that you can do your txns in your cc but this is SBI that too SBI CB CC (5% cb on all online txns) so it's not at all wise to use it this way.
As far as all your CIBIL queries are concerned, you can refer to the below link which @shraaj has posted - https://www.desidime.com/discussions/credit-sco....
Hope this helps.