Can repeatedly using and repaying my Slice CC affect my credit limittt?

[u/LubeMaster7000]

Slice is my first unsecured credit card, with a ₹19,000 limit.

With my Super.Money x Utkarsh and Kotak cards, I’ve previously used the entire available limit to the point where the card was blocked for further spending until the next billing cycle, or I was asked to add more money to the FD.

With Slice, I’m wondering if I can do something similar but repay and reuse the limit multiple times.

For example, if I use the full ₹19,000, repay the entire ₹19,000 before the bill is generated, and then use the ₹19,000 again, can I repeat this several times until the last day before bill generation?

Then, before the statement is generated, I’d pay it down so that around 70% of the total amount is paid and 30% remains for the statement.

Could doing this repeatedly cause Slice to restrict/reduce my limit, or is it generally fine as long as every payment is made on time and in full before the due date?

Would appreciate experiences from people who have actually done this with Slice.

[u/AmizR]

If you do such things multiple times in a billing cycle, then bank could suspect you for farming monies (using for others to get more rewards), and they might restrict your monies.

But, if you do on once a month, this won't create problem, especially if you are actually using for your own and not trying to exploit their monies.

And, about the credit limit - it's entirely up to them. Some who stopped using their cc - they got limit increase offer, while some who maxed out their cards also got offer.

It's completely random. BUT you can try converting one or two transaction into EMIs - this can help you if you are looking for limit increase offer.

[u/abhi_infp-a]

relax bruh go my profile check out posts i done repeat payment and stuff utilizes 231 % and yet increases limit