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I've tried adding a separate .htaccess doc and php.ini with rules, but still have the limit of 10MB on my WP admin console.
Do I need to do an extra step? thanks for your help
You can't increase max file size, what's the problem with that?
The only extra step you could do to increase the upload limit is to upgrade your account. The file size limit on free hosting is 10 MB, and cannot be increased.
If you need to upload a big plugin of theme, you can install it manually by extracting the plugin zip file on your computer and uploading the extracted files to your account with FTP. You can learn more about that here: https://codex.wordpress.org/Managing_Plugins#Manual_Plugin_Installation_by_FTP