Question regarding Flipkart Axis Credit Card
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Need to order a laptop worth ₹70k but the available limit of my Flipkart axis cc is just ₹15000. Can loading money , i.e. around ₹45k or more extra over the already available ₹15k limit increase the limit of cc to go through order completion without transaction getting declined due to low limit.
Or are there any other tricks that can help me out with this problem?
Update: Arranged SBI cashback card from my friend which offers equal 5% cashback on online spends. The cashback confirmation is received post 2-3 days of transaction date. Thanks for helping out.😄
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But I think technically it's not over limit since I am loading extra money in my cc from my bank account and not loaning anything from bank. Thank you for the help though.
Anything is risky with axis... better call them and explain the situation.
Yeah let me call them and ask if there's a solution.
you will not get any cashback. better to buy through someone else having valid card
Yeah,thanks for letting me know
Even with Flipkart axis, you will get 5% cashback. So, try to arrange Flipkart GV which is easily available at trading section in 5% or try to buy from other sources.
What other sources? Can you name a few please.
Are you sure its possible to increase limit by adding money ? I have a low limit FK axis card as well, I tried adding more for a similar reason using Mobikwik and Paytm but the transaction kept failing . Though i havent tried on cc bill payment method on Axis bank website. Even if they dont allow you to make a custom payment exceeding your limit, you will be able to repeat your last billed amount (assuming you haven't already paid it yet) any number of times within 2-3 working days time frame. As payment on axis website takes that much time to reflect on card
Everyone Forget overlimit
You cannot even use your Axis Cc again after paying Cc bill.
Let's say if you have a limit of 50k .
And on 1st day if you have spent 50k. So no matter even if you settle 50k bill payment immediately you will have to wait 30 days/upto next billing circle to utilise the same limit again.
I have faced/ observed this issue so many times. On the other hand in SBI etc you can top up the limit again by paying bill and use multiple times in same month I.e. 50k+50k... Day 1 .. day 2.. . I have experienced this also everytime
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May be no there is overlimit charge of you transact over 15k but ask customer care for temporary limit enhancement