u can bid with 1.3m for player who is worth 3.5m, bcz am sure he had more than 3.5m at time he made his bid for 2 or more players, so once he bought first one and left with 1.3m, the game will not cancel the other bid he made in same time with first bid , he has to pay all remaining money in 7 days thought .. i used to bid on 4 players who worth each 4m, (total like 16m when had only 4m in the bank ).. once buy them i start selling my players to pay the outstanding money sure within 7 days