Want To learn some credit card tips :)
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Hi, I am a newbie dimer posting a question for the first time , so few months back i saw a post on credits cards here on desidime in which a person explained a trick in which you wont spend anything from your pocket if you have 5 credit cards . so i would like to learn this trick as i am unable to find the post . now i have 5 credit cards in my family i would like to learn how to do it .
I hope i am posting in the right section .
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Simplest trick: don’t use your 5 cards
lol
Most Important tip: Always pay back in full after every month statement
thanks for the tip but there was some kind of trick where you could pay your credit card bills using other credit cards and this circle keeps on going and you wont spend anything from your pocket .
That’s called credit transfer and it has associated interest charges and are really steep. Don’t ever think about it.
so one should stay away from these kind of tricks ? it is not beneficial ? i am asking these things because i am new to credit cards.
Never thought Nirav Modi & Vijay Mallya will become role models and ppl will want to start following their footsteps 
Lol they are not my role models, i dont have enough knowledge about it so i want you guys to enlighten me .. if you say its not good i wont do it .
@Dealcharmer Buy this – https://www.amazon.in/dp/B01B...9Y, then convert each credit card into 4 (pieces). Make a one time payment of all outstanding. After that for the rest of your life, you don’t have to pay anything for your pocket or wallet.
thats by far the best credit card trick ever .. thanks brother 
@Dealcharmer u must be aware Cibil is continuously tracking our credit behaviours. Its not advisable to act smart 
CIBIL does not track anyone. They just consolidate and and analyze data provided to them by Banks and NBFC.
So, In a nutshell Doing this kind of rotation or circulation of credit is not advisable ?
I personally wud refrain from …..
Hey Here is the Trick Completely Explained.
1> Get 5 Credit Cards from 5 Different Banks. (as per your need)
2> Spend as much as you can aggressively.
3> Go and get in touch with Bank Manager and request him or her that you will pay you dues every month with credit card, it depends on your talking and convincing skills.
4> On due date before 1 day a person from Bank will visit your home to collect the card from which you want to make the payment to clear your dues.
That’s it, the circle continues till the death of the credit card holder.
Enjoy it and enjoy life and credit card. Don’t leave opportunity to grab credit cards as much as possible. The more the credit card the more you are on top of the world.
Thanks a lot for the input bro 
Transferring funds from the credit card fo paytn or phone pe and then get that fund into bank is good thing to do ( i know paytm take 3% cut ) but i have heard phonepe doesnt take any percentage ??
That’s true. Try it…
Old glorious days of credit limit to cash are gone. My suggestion take max 2 credit cards and always pay your outstanding in full. Use only one card for easy transactions verification and the other in case of good offers. Don’t use your cards for other’s EMI unless you have capability to recover amounts. CC is only for convenience but it is the easiest way to get reasonable CIBIL score without availing a loan. While applying CC make sure at least one is life time free, no registration charges and the other which have good offers. Bye
So , there is no safe way or pattern of circulating the credits in a cycle right ?
Don’t do such things yaar. You will be doomed. A credit card is a boon if used properly within limits otherwise it can make your life go off track. 
Suppose you have salary coming on 25th and you need to pay bills on 15th. Then it’s better to use credit card as within 10 days you will have enough money to repay. Same way it can be used as it is rewarding at many places. But if you don’t have good source of continuous income better stay away. Money rotation will not help any cause.
I agree with you but how come some people playing this game of credit cards without getting in trouble ? even if i dont do it there is no harm in learning the trick
U r one inquisitive persistent dimer 😊 Karma given 😀
Thank you sir .. please share your knowledge about this topic
Thanks for your comments and inputs guys if you have any additional info or trick you are welcome to comment here
Bro…those gold olden days are gone now…
My Simple suggestion is, Use your card if it is necessary for you and pay the bill on time.
Dont get in to any trick and trap yourself.
Credit card management is mess if you ask me. So don’t use all 5 card all the time. Use 1 or 2 and keep rest in your pocket. I have 4 cards and i forget to pay last due on 1 of these card because i mostly use 1 card. Result was i got 450 INR fine as late fee (Will request them to remove it). Free wallet to bank withdrawal tricks are gone and using any trick from Youtube may block your money in that wallet. So stay away from it if you want to do it for points/miles.
I actively use 4 different cards every month. The moment I get the bill I log into my internet banking and set up a future dated payment 3-4 days earlier to the due date. The money gets automatically paid when the date comes. No fear of forgetting.
Use credit card as a debit card, don’t spend beyond your repaying capacity.
If you are a salaried person, set your billing date such that your payment due date comes after few days from salary. Never miss a due date. Try to keep the credit utilization low
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pls let me as well