over limit charge in cc

Anything above 30% of available limit (For Example if limit is 1 lac and you spend more than 30k in a month), it will negatively impacts your cibil as you will be seen as credit hungry. And here you are trying to utilised 100%of that limit, why?

Now pay overcharge, pay amount such that total amount becomes less than 30% of limit.

Next time don’t go past 30%of limit unless it’s absolutely urgent.

I pay before due date.. also i wanted soln for overcharge

Talk to customer care and explain that its not ur mistake adding txn of 22/Apr in May is not justifiable

They will reverse after 2-3 follow ups

BTW which card? ICICI is bit tough to negotiate

Even if transaction is not showing
Limit is blocked
You need to check in the app and then proceed

Talk to CC and request for charges to be reversed

thanks @Ransome & @insta
🙌🏼

charges will be waive off call cc and explain

this month i also used my hdfc cc full limit around 95% 😜

now let me see what happens with my cibil

Hdfc revresed.. next day.. that also i come to know today when i was cjecking unbilled.. they add or deduxt without msg

I have noticed some report date of my cards..
Icici mmt and apay 20th of month
Rest
Hdfc millenia and business
indusland
yes bank..
. one card.
Sbi
Last day of month..

Anyone cam confirm above data? Or its user to user or they can send any day?

Recently I got freecharge axis cc with 15k limit.

I want to pay 19k max life insurance premium

So if I pay 4k in advance to make it 19k limit and pay , would it charge me 500 rs over use charges?

And would I get the cashback also of 5% ok 19k?