[Question] How to pay credit card bill from ano...

[Question] How to pay credit card bill from another credit card?

Score: 10 Votes: 10
Score: 10 Votes: 10
Score: 10 Votes: 10
Score: 10 Votes: 10
Score: 10 Votes: 10
7ae00c4a262dab6a33d7895787c7acd5
Deal Cadet
1
83
184
1

Dear Dimers,

I made so many transactions this months and now its to pay my debts. I am kind of running out of cash this month so i wanted to ask can i pay my credit card debts with another credit card?

I have 2 icici 1 hdfc credit card so is it possible to pay 1 icici credit card bill with another icici or hdfc card.

Also tell me if there is any interest or extra penalty charges for this?

If any one have already done this please share his experience and guide me through the procedure.

Many Thanks

33 Comments  |  
14 Dimers
Download
Deal Lieutenant
1
125
3244
55

SBI credit cards have this option at low interest rates smile

11111
Super Moderator
19
188
16524
306

These days most (if not all) CCs have option to pay by NEFT where your CC number can be given in place of account number and the IFSC code is the code of their credit card operations branch.

So you have following options to pay your CC bill:

CC-1 → Shmart or Citrus or SBI Buddy App → NEFT directly into your CC-2 or NEFT to your bank a/c and from there pay bill.

I have done this in the past but please read T&C before proceeding as they may have changed in last 1-2 months.

11111
Super Moderator
19
188
16524
306
@UberDeals wrote:

SBI credit cards have this option at low interest rates smile


+1

Read somewhere that if you transfer your CC dues of another CC to SBI CC then you won’t be charged interest on that amount for 3 months
i’m not sure but this could be user specific.

Img 20150414 215658
Budding Star
46
179
29650
621

@cm4444 comes to rescue wink

11111
Super Moderator
19
188
16524
306
@VaibhavJain wrote:

@cm4444 comes to rescue wink


Bhai oct me Amazon se axis cards khareed liye thae khoob. Fir CC bill pay karne ka paisa bacha nahi…. fir yahi kiya… 10k shmart se, 10k SBI buddy se, 3k citrus se. wink
Baaki ebay zingoy offers me bhi CC ka account no. aur IFSC code diya hai… so jo cashback udhar se aata hai usse bhi directly CC bill pay ho jata hai lol

ad bot
1
1
1
1
Ad Bot

I found this sponsored content on one of the ad networks.

Img 20150414 215658
Budding Star
46
179
29650
621
@cm4444 wrote:

@VaibhavJain wrote:

@cm4444 comes to rescue wink


Bhai oct me Amazon se axis cards khareed liye thae khoob. Fir CC bill pay karne ka paisa bacha nahi…. fir yahi kiya… 10k shmart se, 10k SBI buddy se, 3k citrus se. wink
Baaki ebay zingoy offers me bhi CC ka account no. aur IFSC code diya hai… so jo cashback udhar se aata hai usse bhi directly CC bill pay ho jata hai lol


tumhara bill tumhare liye zingoy aur shmart wale pay kr rhe hai matlb lol

Missing
Deal Cadet
0
78
122
0

@Deal Cadet

add funds from second credit card to freecharge after 7 working days you can transfer it into bank account so you can pay easily.

20k limit in freecharge 5k in paymoney(NEFT) 5k in bookmyshow (NEFT)

Missing
suspended
0
76
1244
20
@surendra204216 wrote:

@Deal Cadet

add funds from second credit card to freecharge after 7 working days you can transfer it into bank account so you can pay easily.

20k limit in freecharge 5k in paymoney(NEFT) 5k in bookmyshow (NEFT)


are you sure ?

Missing
Deal Cadet
0
78
122
0

sry double post.

Missing
Deal Cadet
0
78
122
0
@dd2014 wrote:

@surendra204216 wrote:

@Deal Cadet

add funds from second credit card to freecharge after 7 working days you can transfer it into bank account so you can pay easily.

20k limit in freecharge 5k in paymoney(NEFT) 5k in bookmyshow (NEFT)


are you sure ?


once i got a need of 40k instaed of going for any loan i used it.

y i take 40k from my card befroe billing after billing date i am paying 30 k every month as i can afford 10k with out any problem.

i preffer freecharge as they will go imps so we will get money very easy no hassle.

Missing
suspended
0
76
1244
20
@surendra204216 wrote:

@dd2014 wrote:

@surendra204216 wrote:

@Deal Cadet

add funds from second credit card to freecharge after 7 working days you can transfer it into bank account so you can pay easily.

20k limit in freecharge 5k in paymoney(NEFT) 5k in bookmyshow (NEFT)


are you sure ?


once i got a need of 40k instaed of going for any loan i used it.

y i take 40k from my card befroe billing after billing date i am paying 30 k every month as i can afford 10k with out any problem.

i preffer freecharge as they will go imps so we will get money very easy no hassle.


you mean i can transfer 20k from my card to my a/c ?

but RBI T and C said we can only reserve 10k in any wallet !!

should i use 2 a/c for 20k transfer ??

Missing
Deal Cadet
0
78
122
0
@dd2014 wrote:

you mean i can transfer 20k from my card to my a/c ?

but RBI T and C said we can only reserve 10k in any wallet !!

should i use 2 a/c for 20k transfer ??


You can do as per your billing date friend. For safe side I added money in 7 different accounts and once I got total money after 7 days. Plan as per your CBC billing date.

Recently citruspsy has stopped transferring money to bank. They are just reverting the amount on the card used. And saying it for safety reasons. You can use this for your card payment.

Suppose your CBC billing date is on 15th on 16 th add money to citrus pay. Take 3 days gap to appear it on your card. And transfer money. If they transfer money pay from account. If they revert that amount. The money to be paid for this billing cycle will reduce. But you can do only 3k. And one account can be added to max 2 citrus pay accounts only. I hope this will help you.

Missing
suspended
0
76
1244
20
@surendra204216 wrote:

@dd2014 wrote:

you mean i can transfer 20k from my card to my a/c ?

but RBI T and C said we can only reserve 10k in any wallet !!

should i use 2 a/c for 20k transfer ??


You can do as per your billing date friend. For safe side I added money in 7 different accounts and once I got total money after 7 days. Plan as per your CBC billing date.

Recently citruspsy has stopped transferring money to bank. They are just reverting the amount on the card used. And saying it for safety reasons. You can use this for your card payment.

Suppose your CBC billing date is on 15th on 16 th add money to citrus pay. Take 3 days gap to appear it on your card. And transfer money. If they transfer money pay from account. If they revert that amount. The money to be paid for this billing cycle will reduce. But you can do only 3k. And one account can be added to max 2 citrus pay accounts only. I hope this will help you.


i want to know in freecharge a/c transfer to bank details.

Missing
Deal Cadet
0
78
122
0

Yes add 10k each in FreeCharge account and after 7 days transfer it into your bank.

If you have time gap of 14 days you can do it from same FreeCharge account. However you can withdraw amount of 20k only in a calender month. wink

Missing
Deal Cadet
0
50
128
0
@cm4444 wrote:

These days most (if not all) CCs have option to pay by NEFT where your CC number can be given in place of account number and the IFSC code is the code of their credit card operations branch.


Could you specify the bank which offers his option, most seem to allow only NEFT through savings account

11111
Super Moderator
19
188
16524
306
@ctrlshiftdel wrote:


Could you specify the bank which offers his option, most seem to allow only NEFT through savings account


I’ve successfully paid SBI CC dues using DBS wallet and citrus wallet and paid Axis CC dues using citrus, shmart, SBI Buddy and zingoy ebay cashback.

Karl pilkington  1323165704 list handheld 0
Deal Cadet
0
147
902
6
@@@@ wrote:

@ctrlshiftdel wrote:


Could you specify the bank which offers his option, most seem to allow only NEFT through savings account


I’ve successfully paid SBI CC dues using DBS wallet and citrus wallet and paid Axis CC dues using citrus, shmart, SBI Buddy and zingoy ebay cashback.


@cm4444
not related – is familyjoyz.com a trusted website and is it possible for you to guarantee its genuiness?

Thumbimgcrop 1460466999272
Deal Lieutenant
8
38
4428
55

Option found in Speedpay app, you can pay your ICICI CC bill from their wallet amount.

Else make failed transaction forcefully in freecharge by selecting wrong phone number and wrong operator, then you can transfer the refund amount to bank instant.

11111
Super Moderator
19
188
16524
306
@ravi28142 wrote:

@cm4444
not related – is familyjoyz.com a trusted website and is it possible for you to guarantee its genuiness?


I have never bought from it and cannot comment on its genuineness. However I have seen comments in the forum that many dimers have successfully got the vouchers they bought from here.

Missing
Deal Cadet
0
50
128
0
@cm4444 wrote:

@ctrlshiftdel wrote:


Could you specify the bank which offers his option, most seem to allow only NEFT through savings account


I’ve successfully paid SBI CC dues using DBS wallet and citrus wallet and paid Axis CC dues using citrus, shmart, SBI Buddy and zingoy ebay cashback.


Oh, ok, I reread your reply, I misunderstood your post, I thought you were referring to a direct payment mechanism involving only the CC accounts without involving any intermediary wallet(since all of non-Kyc one’s) are limited to 10K or less.

Karl pilkington  1323165704 list handheld 0
Deal Cadet
0
147
902
6
@cm4444 wrote:

@ravi28142 wrote:

@cm4444
not related – is familyjoyz.com a trusted website and is it possible for you to guarantee its genuiness?


I have never bought from it and cannot comment on its genuineness. However I have seen comments in the forum that many dimers have successfully got the vouchers they bought from here.


yes i also confirmd from nitin as he bought from that website but i also read someone got used vouchers. i asked because desidime was involved in promotion with that site so i thought you may know more. thanks for ur help

Download
Deal Lieutenant
6
1
4406
82
@esakki raja wrote:

Option found in Speedpay app, you can pay your ICICI CC bill from their wallet amount.

Else make failed transaction forcefully in freecharge by selecting wrong phone number and wrong operator, then you can transfer the refund amount to bank instant.

<br /

yesterday someone tried this in dd and freecharge automatically corrected operator and made recharge to go through smoothly smile

so better avoid this toungueout

Draw
Deal Colonel
10
1,179
51982
1042
@ebaylovers wrote:

@esakki raja wrote:

Option found in Speedpay app, you can pay your ICICI CC bill from their wallet amount.

Else make failed transaction forcefully in freecharge by selecting wrong phone number and wrong operator, then you can transfer the refund amount to bank instant.

<br /

yesterday someone tried this in dd and freecharge automatically corrected operator and made recharge to go through smoothly smile

so better avoid this toungueout


Smart help and no loophole

Draw
Deal Colonel
10
1,179
51982
1042

If we have to resort to full proof method ,
I use these two method

1. Book any order on amazon, ShopClues etc. And cancel within short time ( but certainly cross 12 am date change ) so cc may debit u in current cycle and reverse the credit as repayment of previous bill. ( risky)

2. Book any ticket on irctc and cancel with refund to bank, it will cost some charges but will be prosses timely, not sure about irctc wallet system.

3. This is hit and trial method with variation of 2nd one, just enter the OTP on desktop and immediately cross the window so that berth will not be allotted however debit amount will be claimed by irctc and refund will be processed by irctc in 7 days.


Only catch is cc policy as explained to trick same cc without any intermidation.

@Achilles @cm4444 I think we discussed the above steps in one of the thread of Dan baba !

Bh 400x400
Deal Cadet
1
89
506
40
@[email protected]_0_0_D wrote:

If we have to resort to full proof method ,
I use these two method

1. Book any order on amazon, ShopClues etc. And cancel within short time ( but certainly cross 12 am date change ) so cc may debit u in current cycle and reverse the credit as repayment of previous bill. ( risky)

2. Book any ticket on irctc and cancel with refund to bank, it will cost some charges but will be prosses timely, not sure about irctc wallet system.

3. This is hit and trial method with variation of 2nd one, just enter the OTP on desktop and immediately cross the window so that berth will not be allotted however debit amount will be claimed by irctc and refund will be processed by irctc in 7 days.

-—-
Only catch is cc policy as explained to trick same cc without any intermidation.

@Achilles @cm4444 I think we discussed the above steps in one of the thread of Dan baba !


Can you please elaborate on the catch part… I didn’t understand it.
Also, are you sure that refund is counted towards bill payment? Because internally they probably have certain codes for it. Have u tried it this way?

Draw
Deal Colonel
10
1,179
51982
1042

Cm explained to use wallets to refund in cc where the bills r due, so that any fresh credit (includes refunds) is treated as repayment and accounted accordingly.

Trick to use refund/ credit from wallet/ cancellation / adjustment in account as simple credits, so that the requirement to pay the current bill is reduced by same amount. I am sure about irctc and ShopClues as their refund is treated as credit. But, much of the essense (juice) matters in the policy and at system (accounting) with cc, as all use different programmes.

In, short use internet banking query of CC, use any trick for small amount (<500) and see the result on your pending dues, if the trick is successful u can increase the frequency/quantum.

I have used with AMEX, stanc, SBI Cc, HDFC etc.

Bh 400x400
Deal Cadet
1
89
506
40
@[email protected]_0_0_D wrote:

Cm explained to use wallets to refund in cc where the bills r due, so that any fresh credit (includes refunds) is treated as repayment and accounted accordingly.

Trick to use refund/ credit from wallet/ cancellation / adjustment in account as simple credits, so that the requirement to pay the current bill is reduced by same amount. I am sure about irctc and ShopClues as their refund is treated as credit. But, much of the essense (juice) matters in the policy and at system (accounting) with cc, as all use different programmes.

In, short use internet banking query of CC, use any trick for small amount (<500) and see the result on your pending dues, if the trick is successful u can increase the frequency/quantum.

I have used with AMEX, stanc, SBI Cc, HDFC etc.


This is very useful piece of information for those who know how to use it!
As a community, I’m sure we can collaborate our efforts to compile a list of all major credit card banks which treat refund as repayment?

I would be personally interested in knowing about Citi and HDFC

Draw
Deal Colonel
10
1,179
51982
1042

Hdfc shows online statement and any refund is reduced from current liability

Missing