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Hello, I have hdfc moneyback limit 37k. Can I make single transaction of 65k by loading extra or remaining amount i.e 28k ? Do transaction will be successful ? is it termed as overlimit ? any charges for such transaction ?

I have hdfc cc with 37k limit. I used 35k and only 2k balance was available. Later I load my cc with 15k and used that 16k, Now 1k is available So my total transaction will be more than my limit, (35+16) So is it termed as overlimit use ? or it's not overlimit..? Note: available balance...

I applied hdfc millenia on july 8th through agent, later it declined citing home address verification reason. Another agent called me and asked me my proper home address to verify. address verified but the card approved is hdfc moneyback. What's goes wrong..? Agent cheated me or bank decided...