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Need More Credit Just for a Big Purchase? Here’s How to Get a Temporary Limit Boost!

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Anindya98

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To get a temporary credit limit enhancement on your credit card for a larger purchase, especially when you already have the necessary funds in your savings account, here’s how you can proceed:

🔹 Steps to Request Temporary Limit Enhancement:​

1. Contact Customer Care

Call your bank’s credit card customer support and request a temporary limit increase. Be ready to explain:
  • The reason for the increase (e.g., planned purchase or travel).
  • That you have sufficient funds in your savings account.
  • The duration for which you’ll need the higher limit (usually a few days to a month).
2. Apply Through Net Banking / Mobile App (If Available)

Some banks allow limit enhancement requests via:
  • Internet Banking → Credit Card Section → Limit Management.
  • Mobile Banking App → Credit Cards → Manage Limit or Service Requests.
3. Provide Proof of Funds (If Required)

If the bank asks for documentation:
  • Share a recent savings account statement showing a sufficient balance.
  • Mention that you're not seeking a permanent increase, only a temporary one for a specific transaction.
4. Ask About "Prepayment-Based" Purchases

Some banks allow you to temporarily preload or lien-mark funds from your savings account to support a higher transaction, especially for big-ticket purchases.

🔹 Pro Tips:​

  • Always request the enhancement before attempting the transaction.
  • Ask if there’s any impact on your credit score or fees.
  • Confirm the duration of the temporary limit and ensure it reverts automatically.

Here’s how you can request a temporary credit limit enhancement for your credit card with ICICI, Axis, SBI, and HDFC, especially if you have sufficient funds in your savings account:

🔹 Temporary Limit Enhancement: ICICI Bank​

  • ICICI generally does not offer temporary limit enhancements directly, but you can try these:
    • Call Customer Care at 1860 120 7777 (domestic) and explain your need.
    • They may allow a one-time high-value transaction upon verbal confirmation.
    • Ask if you can lien mark a fixed deposit or savings balance for a one-time enhancement.
🔹 Alternative:
  • Create an FD and link it to get an instant card limit increase.
  • Or use the PayLater or EMI option for the large transaction.
🔹 Temporary Limit Enhancement: Axis Bank

  • Contact Customer Care at 1860 419 5555 or 1860 500 5555.
  • You can also request via:
    • Mobile App → Credit Cards → Services → Request Credit Limit Increase.
    • Internet Banking → Cards → Credit Card → Services → Limit Management.
Note: Temporary enhancements are subject to internal eligibility and may require income proof.

🔹 Alternative:​

  • Use the "One-Time High Transaction Allowance"—call them before swiping.
🔹 Temporary Limit Enhancement: SBI Cards
  • SBI Cards does not usually allow temporary enhancements, but you can try:
    • Call SBI Card Helpline: 1860 180 1290.
    • Explain your need and that you have sufficient funds in your SBI account.
    • Sometimes, they allow pre-approval for a high-value transaction with real-time confirmation.
🔹 Online Method:
  • Log in to SBI Card Website → Benefits → Card Limit Increase → Check Eligibility.
If eligible for a permanent increase, they may approve it instantly or allow a temporary setup.🔸

🔹 Temporary Limit Enhancement: HDFC Bank​

  • HDFC doesn’t offer online temporary enhancements, but:
    • Call Customer Care: 1800 1600 / 1800 2600 or your regional helpline.
    • Request a manual approval for a large transaction.
    • If you have funds in your HDFC savings account, they may allow a one-time lien-based transaction or suggest a workaround.
🔹 Permanent Limit Increase:
  • NetBanking → Cards → Request → Credit Limit Enhancement → Check eligibility.
General Tips:
  • Request at least 24–48 hours before the planned transaction.
  • If needed urgently, visit your home branch (especially for HDFC and SBI).
  • Have your latest income proof or bank statement ready in case they require it.
 
What is max percentage of the leveraged limit on the credit card?

I mean is there any criteria bound with credit card limit or one can have unlimited temporary credit limit on credit card !!
 
What is max percentage of the leveraged limit on the credit card?

I mean is there any criteria bound with credit card limit or one can have unlimited temporary credit limit on credit card !!
In most cases, it’s capped at under 50% of your existing credit limit. However, with certain super premium cards, the limit can go up to 2X to 20X.
 
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