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

Use Amazon Pay later or Flipkart Pay Later or something similar

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

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

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?

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….

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%?

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

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.

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.

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?

TheSupreme wrote:

Gift card mean amazon pay balance?

Yes

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.’

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

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

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

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..

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.

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

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

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.

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

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..