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ICICI credit card shared credit limit confusion

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amarnadh98

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Hi guys, I have Amazon pay and Coral rupay ICICI credit cards with a shared limit of 50k. This month I got bill generated of 21k in apay cc and 26k in coral. I paid apay cc bill and when I was trying to do a transaction of 2k through rupay, it's getting declined and saying that the available limit is 1500 only. So can anyone explain the reason why it's showing only 1500 even though I paid bill 3days back and it's even getting reflected in apay cc with dues as 0 as well.
 
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amarnadh98 said:
Hi guys, I have Amazon pay and Coral rupay ICICI credit cards with a shared limit of 50k. This month I got bill generated of 21k in apay cc and 26k in coral. I paid apay cc bill and when I was trying to do a transaction of 2k through rupay, it's getting declined and saying that the available limit is 1500 only. So can anyone explain the reason why it's showing only 1500 even though I paid bill 3days back and it's even getting reflected in apay cc with dues as 0 as well.
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Actually it’s not shared limit card u got 2nd one click on that card go to limit section check there how much limit they gave u there
They r giving separate limit for separate card
But in over all it’s shared limit it’s like the 2nd cc u got it’s will have limit less then 20k I had same issue my apc cc was 260k but my coral was 60k later I called them to do coral limit same so they did same 260k I hope u understood
 
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ahmedshaikh__ said:
Actually it’s not shared limit card u got 2nd one click on that card go to limit section check there how much limit they gave u there
They r giving separate limit for separate card
But in over all it’s shared limit it’s like the 2nd cc u got it’s will have limit less then 20k I had same issue my apc cc was 260k but my coral was 60k later I called them to do coral limit same so they did same 260k I hope u understood
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Thanks for the explanation bro, i will check in the app and contact the support 👍
 
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ahmedshaikh__ said:
Actually it’s not shared limit card u got 2nd one click on that card go to limit section check there how much limit they gave u there
They r giving separate limit for separate card
But in over all it’s shared limit it’s like the 2nd cc u got it’s will have limit less then 20k I had same issue my apc cc was 260k but my coral was 60k later I called them to do coral limit same so they did same 260k I hope u understood
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Could you please once again repeat that?
This is what i understand "you can spend 260k on amz and 260k in coral in the same month??" (Total 520k)
 
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amarnadh98 said:
Hi guys, I have Amazon pay and Coral rupay ICICI credit cards with a shared limit of 50k. This month I got bill generated of 21k in apay cc and 26k in coral. I paid apay cc bill and when I was trying to do a transaction of 2k through rupay, it's getting declined and saying that the available limit is 1500 only. So can anyone explain the reason why it's showing only 1500 even though I paid bill 3days back and it's even getting reflected in apay cc with dues as 0 as well.
Click to expand...
off-topic, How old is your Apay CC while you got your coral card? Because I'm holding an Apay card not get coral card. waiting to get it.
 
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amarnadh98 said:
Hi guys, I have Amazon pay and Coral rupay ICICI credit cards with a shared limit of 50k. This month I got bill generated of 21k in apay cc and 26k in coral. I paid apay cc bill and when I was trying to do a transaction of 2k through rupay, it's getting declined and saying that the available limit is 1500 only. So can anyone explain the reason why it's showing only 1500 even though I paid bill 3days back and it's even getting reflected in apay cc with dues as 0 as well.
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Did you solve this? How is the shared limit calculated? Just wanted to know.
 
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cardio_guy said:
Did you solve this? How is the shared limit calculated? Just wanted to know.
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Just contact customer support, when I contacted them, they told that even though the bill paid was getting reflected it's not updated yet, so wait for 1 more day and then try, the next day when I tried, it worked for me.


Shared limit - in my case 50k - (21k + 26k) = 3k remaining. This is how it works.
 
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