credit card queries

credit card queries

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Deal Newbie
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I have amazon pay icici credit card with limit of 50000 but I want to purchase item of 58000. If I make a advance payment of 10000 and make a purchase of 58000 item. In such a case they will apply over limit charges?
Dimer help needed…..

15 Comments  |  
8 Dimers
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Deal Cadet
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I don’t think that it would work .. even after your additional payment, you limit would remain as max for your card .. that’s how it happened for my HDFC when I made additional payment ..

Try contacting customer support and ask for temporary increase in limit .. check netbanking too to see if option is available

Bal ganesh
Deal Lieutenant
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It is discussed few months back and I too wanted to know.
Many replied – Yes and they did it already without over-limit charges.
It all depends on card , you have to take risk. I never did.
Transaction may get declined but over-limit charges can not be applied as cash is already there – My opinion

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Add 8k pay balance and then pay 50k through cc.
Direct 58k would declined

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kirandr221996 wrote:

Add 8k pay balance and then pay 50k through cc.
Direct 58k would declined

Seems best option if you do not want to go through effort of extending limit temporarily..

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Deal Cadet
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Same rule can be used.. give the seller 8k and swipe card for 50k

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ripalbaria1981604 wrote:

Offline purchase

Use some other card if you have. This card will only give 1% cashback for offline purchase.

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Deal Newbie
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watever wrote:

Use some other card if you have. This card will only give 1% cashback for offline purchase.

blush only one and my first card
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ripalbaria1981604 wrote:
blush only one and my first card

Anyways since it is offline just pay around 10K advance by card and the remaining 2 to 4 days later after paying off the 10K card due and when you actually want the product. Offline shops will allow you to do this.

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Deal Cadet
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You can do that. I had done multiple times for icici credit card in past. (1-2 year back)

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Deal Newbie
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makeourdeal wrote:

You can do that. I had done multiple times for icici credit card in past. (1-2 year back)

Over limit charge apply?

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ripalbaria1981604 wrote:

Over limit charge apply?

no charge…. your limit would be increased in this case. You can confirm the same on icici website.

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kirandr221996 wrote:

Add 8k pay balance and then pay 50k through cc.
Direct 58k would declined

Exactly what I was thinking. It seems much better options.

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