want to buy ONEPLUS Nord.. which cost around 28K but credit limit is only 25K

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Deal Cadet
TheSupreme

Hello.. I want to buy OnePlus Nord which cost around 28K. I need it on EMI… But my credit card limit is only 25K..
Is there any way I can get this phone in EMI?.

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Deal Cadet Deal Cadet
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Use Amazon Pay later or Flipkart Pay Later or something similar

Deal Lieutenant Deal Lieutenant
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Don’t. Your bank will report this as 100% cc usage to cibil..

Deal Subedar Deal Subedar
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Try paying 5-6k using amazon gift cards and remaining by cc and then convert it to emi

Deal Subedar Deal Subedar
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Simbha3 wrote:

Don’t. Your bank will report this as 100% cc usage to cibil..

Is baat ka koi nuksan if the dues are paid on time?

Deal Cadet Deal Cadet
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billubakra wrote:

Is baat ka koi nuksan if the dues are paid on time?

Yes ,cibil will reduce..The credit limit used on card have an impact on credit score..credit used within 30-40% of total credit limit is best….

Critic Critic
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hacker96 wrote:

Yes ,cibil will reduce..The credit limit used on card have an impact on credit score..credit used within 30-40% of total credit limit is best….

He can prepay some amount before bill generation so final due amount is 30%?

Deal Captain Deal Captain
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If you clear this payment at one go i can probably help you out.

Deal Subedar Deal Subedar
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MrKool_JJ wrote:

If you clear this payment at one go i can probably help you out.

Bade dil vala admi.
Mera bhi 1 laptop order karde, payment in one go but in 2024.

Deal Cadet Deal Cadet
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hsmhsm wrote:

Use Amazon Pay later or Flipkart Pay Later or something similar

I’m not eligible for amazon pay later bro.. don’t know why.

Deal Cadet Deal Cadet
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Tjs15 wrote:

Try paying 5-6k using amazon gift cards and remaining by cc and then convert it to emi

Gift card mean amazon pay balance?

Deal Cadet Deal Cadet
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Tjs15 wrote:

Yes

But I called to customer care of amazon.. I said same thing.. but customer representative told me that . ’ I can’t do it. If I want that product in EMI..then I need to pay full amount in EMI only.’

Deal Subedar Deal Subedar
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TheSupreme wrote:

But I called to customer care of amazon.. I said same thing.. but customer representative told me that . ’ I can’t do it. If I want that product in EMI..then I need to pay full amount in EMI only.’

If you’re getting no cost emi then am not sure if it can be combined with amazon pay balance. But if it is normal emi then dont choose emi option on amazon rather convert the transaction to emi from card account, most cards allow that

Deal Cadet Deal Cadet
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Tjs15 wrote:

If you’re getting no cost emi then am not sure if it can be combined with amazon pay balance. But if it is normal emi then dont choose emi option on amazon rather convert the transaction to emi from card account, most cards allow that

Okay bro… I’ll try it..
Thank you

Deal Cadet Deal Cadet
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Would suggest calling bank and explaining your purcnase and asking for a temp increase of 5k limit. Btw, which bank?

Deal Cadet Deal Cadet
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niggabecool wrote:

Would suggest calling bank and explaining your purcnase and asking for a temp increase of 5k limit. Btw, which bank?

Oh.. is that possible??
Bank is ICICI.  Limit 25K..

Deal Cadet Deal Cadet
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TheSupreme wrote:

Oh.. is that possible??
Bank is ICICI.  Limit 25K..

yes if bank thinks you’re a good ‘catch’ – one who doesn’t default and is high spender because banks get 2% from the merchant who accept their card and then sell your data for even greater amounts.

Deal Subedar Deal Subedar
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MI 10T is available for 31k. Is nord at28k better then MI?

Deal Hunter Deal Hunter
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Don’t use 100% of your Credit limit, try app like ‘Yaper’ , which provide credit card offers for some fee..

Deal Cadet Deal Cadet
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Chamatkari-Baba wrote:

Don’t use 100% of your Credit limit, try app like ‘Yaper’ , which provide credit card offers for some fee..

Okay bro . Thank you for suggestion.

Deal Cadet Deal Cadet
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hacker96 wrote:

Yes ,cibil will reduce..The credit limit used on card have an impact on credit score..credit used within 30-40% of total credit limit is best….

No issues of you do once in a while, cibil may drop 1-2 points temporary but this will also know banks that you’re approaching limits and timely repayment will eventually increase credit limit increase

Deal Lieutenant Deal Lieutenant
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GuruGhantaal wrote:

No issues of you do once in a while, cibil may drop 1-2 points temporary but this will also know banks that you’re approaching limits and timely repayment will eventually increase credit limit increase

Not one-2. Atleast 8-10 points will drop..my recent experience..

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