Buying any android phone PRICE:10000 INR max
Looking to Buy a Phone
Please share the following details if you’re selling:
Most people see an unused credit card limit and think "danger" or "emergency fund." Six years ago, I started looking at it differently: what if your credit limit is actually idle inventory for retail arbitrage?
The business model is simple: Millions of people want to buy things online but lack the right credit cards, international payment methods, or access to specific card-holder discounts. Meanwhile, you have a credit card with a $5k limit doing absolutely nothing.
You buy the product for them, they pay you back via direct bank transfer, and you earn a flat commission.
It's essentially micro-lending for e-commerce. You aren't holding inventory, renting warehouse space, or dealing with shipping logistics; you are strictly providing the payment bridge.
I validated this idea manually at first. It worked so well that I ended up building a platform to automate the matching process and secure the transactions. Fast forward six years, and we now have 10,000 monthly active users doing exactly this.
I'm curious what this sub thinks of "credit limit arbitrage" as a business model. Has anyone else tried doing this manually for friends or strangers?
What bottlenecks or risks would you foresee if you built a business around this today?