holiday credit card limit

Hi, I think that by paying for flights on a credit card, that gives extra protection (for example if the airline goes bust). But how is that possible if the spending limit is lower than the flights cost? Can I pre-load money onto the card before purchasing the flights? eg if flights cost 2000 and my limit is 1000, if I put 1000+ of savings onto the card before buying the flights, would it allow me to make the purchase even though it is above my credit limit?


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