ICICI Platinum Credit Card Payment Query

105°
Kolkata Knight Riders
shraaj

I am planning to buy Smartphone of 19000 after exchange on my ICICI PLATINUM CREDIT CARD!

I have 9000 limit on 10,000 FD.
THIS IS MY SECURED CREDIT CARD!

Is there any possibility that my transaction of above amount will get succeed?

If I add remaining 10000 rs like overpaying my credit card bill

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Wingman Wingman
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Yes you can pay 10,000 to increase the limit and then use the whole limit to buy phone

Deal Cadet Deal Cadet
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Can i do for flipkart card ..is there any charge or transaction get declined?( I have to purchase 30000 rs air conditioner but i have a limit of 23000 only…can i overlimit my total limit by pay 7000rs)

Deal Lieutenant Deal Lieutenant
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Manojvsm wrote:

Can i do for flipkart card ..is there any charge or transaction get declined?( I have to purchase 30000 rs air conditioner but i have a limit of 23000 only…can i overlimit my total limit by pay 7000rs)

buy 7k gv and use them at payment page, dont add to account

Deal Cadet Deal Cadet
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Transaction will go through, just make sure you havnt put transaction limit on your card. Setting is available in iMobile app.

Deal Newbie Deal Newbie
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Indian_1 wrote:

Yes you can pay 10,000 to increase the limit and then use the whole limit to buy phone

is there any limit to how much you can i create it ? Can I put 40k rs to buy laptop ? @Snapz;

Deal Cadet Deal Cadet
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Kochiro wrote:

is there any limit to how much you can i create it ? Can I put 40k rs to buy laptop ? @Snapz;

I bought mobile of approx. 16000. Customer care didn’t tell me about any limit restrictions.
But you can ask them before loading money on card.

Wingman Wingman
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Kochiro wrote:

is there any limit to how much you can i create it ? Can I put 40k rs to buy laptop ? @Snapz;

I think yes.. cause the money you add will be available for you to spend.. so answer is yes

Deal Newbie Deal Newbie
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Indian_1 wrote:

I think yes.. cause the money you add will be available for you to spend.. so answer is yes

@snapz is it possible to increase limit of my FD card by creating more FD (preferably of 6 months) ?

Wingman Wingman
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Kochiro wrote:

@snapz is it possible to increase limit of my FD card by creating more FD (preferably of 6 months) ?

Not sure about this

Deal Cadet Deal Cadet
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Kochiro wrote:

@snapz is it possible to increase limit of my FD card by creating more FD (preferably of 6 months) ?

No.. for increasing limit you would have to take a new card. Coral for more than 20000 limit.

Deal Newbie Deal Newbie
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Snapz wrote:

No.. for increasing limit you would have to take a new card. Coral for more than 20000 limit.

so can I instantly close platinum card and then take coral card. FD card option is gone from imobile app

Deal Cadet Deal Cadet
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Kochiro wrote:

so can I instantly close platinum card and then take coral card. FD card option is gone from imobile app

I don’t know the process. But closure of credit card will take time.. not instantly.
I’m also looking to close my platinum card. Update me if you get any info.

Deal Newbie Deal Newbie
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Snapz wrote:

I don’t know the process. But closure of credit card will take time.. not instantly.
I’m also looking to close my platinum card. Update me if you get any info.

or I can just go to axis and get flipkart FD card but I want it before sale ends.

Deal Cadet Deal Cadet
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Kochiro wrote:

or I can just go to axis and get flipkart FD card but I want it before sale ends.

Bro.. if you want to use card for discount in sale… then fastest way is to confirm from icici customer care about 40000 transaction possibility. Take new card, only after they say that it can’t be done.

Kolkata Knight Riders Kolkata Knight Riders
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ICICI Bank E-mail to me Regarding Over limit Query-

Greetings from ICICI Bank.

Hope you and your loved ones are healthy and safe.

If the Credit Card Account exceeds the credit limit assigned on the credit card, an over limit fee is levied at the rate of 2.5% on the over limit amount, subject to a minimum of Rs. 500.00.

Alternatively, you may also check these details from www.icicibank.com _rates and charges _ Service Charges and Fees Personal Banking_ Credit Cards.

This is to inform you that the transaction will get declined.

We request you to attempt the transaction within your available credit limit.

Thank you for giving us the opportunity to serve.

Bank Digitally and Stay Safe!

Sincerely,

Hariharan M
Customer Service Officer
ICICI Bank Limited

Deal Newbie Deal Newbie
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shraaj wrote:

ICICI Bank E-mail to me Regarding Over limit Query-

Greetings from ICICI Bank.

Hope you and your loved ones are healthy and safe.

If the Credit Card Account exceeds the credit limit assigned on the credit card, an over limit fee is levied at the rate of 2.5% on the over limit amount, subject to a minimum of Rs. 500.00.

Alternatively, you may also check these details from www.icicibank.com _rates and charges _ Service Charges and Fees Personal Banking_ Credit Cards.

This is to inform you that the transaction will get declined.

We request you to attempt the transaction within your available credit limit.

Thank you for giving us the opportunity to serve.

Bank Digitally and Stay Safe!

Sincerely,

Hariharan M
Customer Service Officer
ICICI Bank Limited

Transaction would be declined and over limit amount would be charged too? Both statements are contradictory.

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