https://www.desidime.com/discussions/what-s-over-limit-in-credit-card?page=1#post_8695812
satraghav
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No. But pay 60 - 70% before Billing date.
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What's over limit in credit card?
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Credit card doesn't allow spending beyond its limit so what's over charge limit?Â
My idfc cc has 50K limit, I already spent 10K, now if I pay 10K via cred before generation of bill and purchase something worth 50K will I b charged any fees??Â
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https://www.desidime.com/discussions/what-s-over-limit-in-credit-card?page=1#post_8696065
Why any reason?? How does it help??
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https://www.desidime.com/discussions/what-s-over-limit-in-credit-card?page=1#post_8695884
no
https://www.desidime.com/discussions/what-s-over-limit-in-credit-card?page=1#post_8696074
I have used 100% of my credit limit for 4-5 months.. . 🤨🤨 Never got rejected for any cc that doesn't require income proof..Â
https://www.desidime.com/discussions/what-s-over-limit-in-credit-card?page=1#post_8696180
I have done this overlimit usage couple of times like 10% more limit than the existing credit limit like if my cred limit was 1lakh  I made a transaction of 1.09+ but below 1.10 lakh but paid the difference of 9k+ within settlement ie 2-3days of transaction on multiple cards of SBI/ICICI/KOTAK and never got charges of overlimit
I am not considering cibil impact here as my usage would be in early to late teens on my entire cards limit...so not a issueÂ
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