Adding extra money to CC

Satyaprabhu · Friday at 3:48 PM

Guys , i have a amazon pay ICICI card with a limit of 50k & i want to purchase IQOO 13 mobile from amazon (prime customer) it costs about 55k . Here the real problem comes can i extend my limit upto 55k by adding 5k manually for just 1 purchase ?

I am asking this because there is an offer going where 2,500 instant discount + 2000 points for purchasing through amazon pay ICICI card .

krishna1718 · Friday at 6:16 PM

Buy with 3 to 5K amazon shopping voucher (not gift card) and rest with amazon pay icici card 50K. You first buy 100rs shopping voucher and test whether we can use card and shopping voucher together if works then you buy big amount voucher to yours credit limit as per experience it will work

Satyaprabhu · Friday at 6:38 PM

krishna1718 said:
Buy with 3 to 5K amazon shopping voucher (not gift card) and rest with amazon pay icici card 50K. You first buy 100rs shopping voucher and test whether we can use card and shopping voucher together if works then you buy big amount voucher to yours credit limit as per experience it will work

Thank you for the valuable information, recently i have spoken with the Amazon customer service and I got to know that I can use this Amazon shopping vouchers to purchase the extra 5k amount and even I can get my cash back.

abhimarda · Friday at 9:29 PM

krishna1718 said:
Buy with 3 to 5K amazon shopping voucher (not gift card) and rest with amazon pay icici card 50K. You first buy 100rs shopping voucher and test whether we can use card and shopping voucher together if works then you buy big amount voucher to yours credit limit as per experience it will work

Earlier we could do that...paying partly by Amazon Pay balance which you create by adding gift card or otherwise and partly by other method like debit/credit card but now that is not working.

Assuming your Amazonpay wallet is KYC complied, what you can do is buy any product worth 10k on Amazon using Apay card. Then pay 10k in your credit card to keep entire 50k available. Cancel your product which you bought after 15 mins of purchase and take the refund in your Amazon pay account. Now but any product for 45k on Amazon and cancel after 15 minutes and take refund in your Amazon pay account. Now you have 55k in your Apay account to pay for your phone and you will get cashback for all purchase as well.

abhimarda · Friday at 9:30 PM

A thing to add, don't repeat this kind of thing multiple times in a short period else your Amazon account may get blocked.

krishna1718 · Friday at 10:49 PM

abhimarda said:
Earlier we could do that...paying partly by Amazon Pay balance which you create by adding gift card or otherwise and partly by other method like debit/credit card but now that is not working.

Assuming your Amazonpay wallet is KYC complied, what you can do is buy any product worth 10k on Amazon using Apay card. Then pay 10k in your credit card to keep entire 50k available. Cancel your product which you bought after 15 mins of purchase and take the refund in your Amazon pay account. Now but any product for 45k on Amazon and cancel after 15 minutes and take refund in your Amazon pay account. Now you have 55k in your Apay account to pay for your phone and you will get cashback for all purchase as well.

With that he can not get 2500 instant discount offer on card , you check amazon shopping voucher it might work

Skylar · Saturday at 8:24 AM

Satyaprabhu said:
Guys , i have a amazon pay ICICI card with a limit of 50k & i want to purchase IQOO 13 mobile from amazon (prime customer) it costs about 55k . Here the real problem comes can i extend my limit upto 55k by adding 5k manually for just 1 purchase ?

I am asking this because there is an offer going where 2,500 instant discount + 2000 points for purchasing through amazon pay ICICI card .

I’d recommend using someone else’s card instead. Using 100% of your credit limit can temporarily lower your CIBIL score. It may also affect your chances of a limit increase from ICICI, as they could see you as a risky borrower. It's not worth the hassle with so many potential complications.

If you're fixed on using your card, I recommend to exchange an old phone to bring the price down to ₹50,000.
or wait for couple of months the price of that phone would do down.

TaxWiser · Saturday at 9:54 AM

Satyaprabhu said:
Guys , i have a amazon pay ICICI card with a limit of 50k & i want to purchase IQOO 13 mobile from amazon (prime customer) it costs about 55k . Here the real problem comes can i extend my limit upto 55k by adding 5k manually for just 1 purchase ?

I am asking this because there is an offer going where 2,500 instant discount + 2000 points for purchasing through amazon pay ICICI card .

Postpone your purchase until the Amazon Great Indian Sale arrives and arrange the required credit cards accordingly.

Also, you know it's just a want and not a need, because if it were a need, you would have already chosen one of the best Android smartphones in the under ₹30K budget segment, which is currently flooded with excellent value-for-money and all-rounder phones.

SahilYadav · Saturday at 9:55 AM

abhimarda said:
Earlier we could do that...paying partly by Amazon Pay balance which you create by adding gift card or otherwise and partly by other method like debit/credit card but now that is not working.

Assuming your Amazonpay wallet is KYC complied, what you can do is buy any product worth 10k on Amazon using Apay card. Then pay 10k in your credit card to keep entire 50k available. Cancel your product which you bought after 15 mins of purchase and take the refund in your Amazon pay account. Now but any product for 45k on Amazon and cancel after 15 minutes and take refund in your Amazon pay account. Now you have 55k in your Apay account to pay for your phone and you will get cashback for all purchase as well.

Just add addition 5k to your card balance using UPI payment to CCPAY. Credit card 16digit@icici You can add more if you don't want to get you cibil score hit.

SahilYadav · Saturday at 9:55 AM

Satyaprabhu said:
Guys , i have a amazon pay ICICI card with a limit of 50k & i want to purchase IQOO 13 mobile from amazon (prime customer) it costs about 55k . Here the real problem comes can i extend my limit upto 55k by adding 5k manually for just 1 purchase ?

I am asking this because there is an offer going where 2,500 instant discount + 2000 points for purchasing through amazon pay ICICI card .

Just add addition 5k to your card balance using UPI payment to CCPAY. Credit card 16digit@icici You can add more if you don't want to get you cibil score hit.

abhimarda · Saturday at 2:16 PM

SahilYadav said:
Just add addition 5k to your card balance using UPI payment to CCPAY. Credit card 16digit@icici You can add more if you don't want to get you cibil score hit.

Most probably it won't work. Banks do not allow single transaction amount beyond approved limit even when there is credit balance.

abhimarda · Saturday at 2:18 PM

krishna1718 said:
With that he can not get 2500 instant discount offer on card , you check amazon shopping voucher it might work

Right, he will not get instant discount. I checked yesterday and partial payment is not allowed. It was showing to add short amount to Amazon Balance if that option was to be used.

krishna1718 · Saturday at 6:03 PM

abhimarda said:
Right, he will not get instant discount. I checked yesterday and partial payment is not allowed. It was showing to add short amount to Amazon Balance if that option was to be used.

Amazon shopping voucher is different to amazon gift card bro I had used amazon voucher and card 3 months ago right now I didn't tried so i am not sure , amazon gift card don't have such option

Adding extra money to CC

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