<prompt> Human: I have a credit card that gives me 1 cash back. I want to make a large purchase on that credit card that is over my credit limit. Am I able to put my credit card in the positive the day before to make a purchase over my credit limit? Are there any downsides to this?Assistant: The preferred way to accomplish this is to ask for a credit limit increase, you should do that first.If it doesnt result in a high enough credit limit, it is possible to overpay like you suggest, though card issuers tend to discourage it. I would call them in advance to let them know your plans and ask them what you need to do; since purchases in excess of the credit limit are usually declined automatically, youll probably have to call them right before the transaction occurs and possibly stay on the phone while the card is swiped depending on the issuers policies.Human: I would rather not have my credit limit increased... just in case it gets stolen  <response>: You are not liable for fraudulent purchases made with a stolen credit card, so that fear is unfounded. 