Buy iPhone 15 Pro

[raniphore]

I want to exchange my iPhone 13 128GB and buy an iPhone 15 pro. I have been eyeing the pro models for several years but never bought them. I want to go for the 256GB variant, which costs around 1.45 lacs. HDFC is offering a 6k discount and Apple India's official website is giving trade-in value of 29k for my iPhone 13 which seems a bit on the lower side. Now the dilemma is that I have HDFC Tata Neu with a a credit limit of 1.16 lacs. If I buy from Apple website they will reduce the trade-in value and charge around 1.10 lacs on my card(including the 6000 off) which will go through. I can get a higher price for my iPhone 13 outside but is there any way to increase the credit limit of the HDFC card to make the full purchase from it? Last time I approached the customer care for credit limit enhancement they told to send documents to Chennai.

 

[aayusharyan]

I want to exchange my iPhone 13 128GB and buy an iPhone 15 pro. I have been eyeing the pro models for several years but never bought them. I want to go for the 256GB variant, which costs around 1.45 lacs. HDFC is offering a 6k discount and Apple India's official website is giving trade-in value of 29k for my iPhone 13 which seems a bit on the lower side. Now the dilemma is that I have HDFC Tata Neu with a a credit limit of 1.16 lacs. If I buy from Apple website they will reduce the trade-in value and charge around 1.10 lacs on my card(including the 6000 off) which will go through. I can get a higher price for my iPhone 13 outside but is there any way to increase the credit limit of the HDFC card to make the full purchase from it? Last time I approached the customer care for credit limit enhancement they told to send documents to Chennai.

Try overpaying your CC, that way, your CC will have negative balance in excess which you can use to make payment.
However, this is a theory and might not work because the Transaction limit will be the max limit of your CC. So, there is a chance. May work, may not work.

 

[harsh1387]

I want to exchange my iPhone 13 128GB and buy an iPhone 15 pro. I have been eyeing the pro models for several years but never bought them. I want to go for the 256GB variant, which costs around 1.45 lacs. HDFC is offering a 6k discount and Apple India's official website is giving trade-in value of 29k for my iPhone 13 which seems a bit on the lower side. Now the dilemma is that I have HDFC Tata Neu with a a credit limit of 1.16 lacs. If I buy from Apple website they will reduce the trade-in value and charge around 1.10 lacs on my card(including the 6000 off) which will go through. I can get a higher price for my iPhone 13 outside but is there any way to increase the credit limit of the HDFC card to make the full purchase from it? Last time I approached the customer care for credit limit enhancement they told to send documents to Chennai.

First of all confirm what you are getting outside for 13. I just exchanged 13 yesterday at Apple store for 29k. Cashify was offering less and outside was almost same amount. If difference is 1-2k then better trade in with Apple.

As for overpaying hdfc card do check the forum for same. I remember reading here some banks have changed their terms for that. Or talk to hdfc CC before doing this.

If you are located in Mumbai or Delhi better go to apple store and do it in person. Maybe you can pay some cash for rest of the amount or from another credit card.

 

[raniphore]

First of all confirm what you are getting outside for 13. I just exchanged 13 yesterday at Apple store for 29k. Cashify was offering less and outside was almost same amount. If difference is 1-2k then better trade in with Apple.

As for overpaying hdfc card do check the forum for same. I remember reading here some banks have changed their terms for that. Or talk to hdfc CC before doing this.

If you are located in Mumbai or Delhi better go to apple store and do it in person. Maybe you can pay some cash for rest of the amount or from another credit card.

I finally exchanged in Chroma for 33k and paid the rest from credit card.