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Is it advisable to use over-limit feature of Millennia card? What will be charges in case I plan to use it?

Received call for pre-approved LTF Tata neu plus CC. Limit will be shared with Millennia card. Should I get it or not. Please suggest

I have hdfc millennia credit card with 1.2 lakh limit and I have multiple other cards with above 2 lakh limit. My question is can I close this card and reapply via card to card method to get a higher limit? Also, is this a good idea 😂😂 I tried getting LE by mailing them and got 20k increment...