How to spend more then credit limit?

[Sumit_90]

Hi,

I have a physical BOB Easy Visa and digital BOB HPCL RuPay Credit Cards. Both share a limit of Rs.25000/- and are unsecured cards.

I wish to buy a scooter from Flipkart which cost around 88k ex-showroom and any BOB CC users can get 3k cashback with minimum spend of 60k.

Is it possible via any trick to utilize this offer even though my Credit limit is lower then required to make this transaction?

 

[knagar0078]

There's a vast difference. Nothing can't be done except aiming for a Credit Limit increase.
If the difference was less then you can use the over limit feature as it allows to spend 5%-10% more than your Credit Limit (but have to pay over limit charges).
Other option is to use EMI but since it asks for a total spending of ₹60k, you can't use the EMI option as well.
So, the only thing is to ask for a Manual Credit Limit increase via brach visit by submitting your income documents or having a fixed deposit.
HOPE THIS HELPS YOU...