GreedyFuture601
TF Buzz
Hey guys,
So I want to purchase the iPhone 16 Pro (₹70k) during the Big Billion Day sale on Flipkart tomorrow. The problem is my ICICI credit card limit is only ₹20k (these guys reduced my limit from ₹1L to ₹20k since I wasn’t using it much 🤦). Now, I have to use this ICICI card for the purchase because of the 5000 card discount. I was thinking of adding ₹50k in advance to the card (basically prepaying) so that my available credit shows ₹70k+
But here’s the confusion — some people are saying that while the available credit does get adjusted, the per-transaction limit still remains the original credit limit (₹20k in my case). That would mean the transaction might fail even though the available credit is sufficient. I’ve also read that some banks allow this trick (overpaying to spend more than your credit limit), while others don’t. Not sure how ICICI specifically behaves in this case.
So my questions:
So I want to purchase the iPhone 16 Pro (₹70k) during the Big Billion Day sale on Flipkart tomorrow. The problem is my ICICI credit card limit is only ₹20k (these guys reduced my limit from ₹1L to ₹20k since I wasn’t using it much 🤦). Now, I have to use this ICICI card for the purchase because of the 5000 card discount. I was thinking of adding ₹50k in advance to the card (basically prepaying) so that my available credit shows ₹70k+
But here’s the confusion — some people are saying that while the available credit does get adjusted, the per-transaction limit still remains the original credit limit (₹20k in my case). That would mean the transaction might fail even though the available credit is sufficient. I’ve also read that some banks allow this trick (overpaying to spend more than your credit limit), while others don’t. Not sure how ICICI specifically behaves in this case.
So my questions:
- Has anyone here actually tried this with ICICI (especially for Flipkart or Amazon sales)? Did the transaction go through?
- Does ICICI block transactions above your official credit limit even if you overpay in advance?
