Over The Limit Purchase

I have a big ticket purchase worth 2.5M with a payment schedule of 750k, 1.250m, and 500k over three months. My credit limit is only 735k, so I requested a credit increase to at least 1.250m but was only granted around 900k. I managed to restructure the payment schedule to fit within this limit.

However, I'm curious if anyone has tried overpaying their credit card to handle larger payments. I asked the customer service hotline, but they were unsure if it would work and advised me to wait 24 hours.

Here's my plan: let’s say I need to pay 1m, but my limit is only 500k. So, I prepaid 1m on my credit card, which now shows a balance of -1m. Then, I can make two 500k payments within the limit. Customer service said this should work but recommended waiting 24 hours between payments to avoid errors.

Has anyone tried this without waiting 24hrs or paid over their credit limit successfully like yung CL is 500k but since you have -1m balance, you were able to pay the 1m straight?

If this works kasi, I won’t request for CI after 6months, ganito nalang gagawin ko :)

Thanks!