My 42 Credit Cards | Why & How I Applied | How I Manage Them 🔥🔥🔥
Friends, today I'll tell you about all my credit cards. I have 42 credit cards as of now. I'll tell you why and how I applied for each credit card and how I manage them.
How to manage your credit cards - • How To Manage Your Cre...
My Journey From HDFC Regalia First to Infinia - • My Journey From HDFC R...
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Apply for ltf bob card- bit.ly/370oK7H
Doston, aaj main aap logo ko batunga mere pas jitne bhi credit card hai sabke baare main, abhi 42 credit card hai mere paas, sare card maine q leya hai kaise leya hai sab kuch k baare main baat karenge aur batunga kaise main sare card manage karta hu.
[* Zerodha Account Opening Link- zerodha.com/op... {Zerodha India's Number 1 Broker}
* If you want to open an account with Upstox, you can open using this link- upstox.com/open...
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जय हिन्द, वन्दे मातरम
Jai Hind, Vande Mataram
Пікірлер: 727
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@MadhurAgarwalDce
Жыл бұрын
Hi, How much time it took you to collect all these cards... Just curious
@farhanghumra6484
Жыл бұрын
Telegram group link is expired, please renew it.
@Yourlastrider
Жыл бұрын
Sir axis bank wale tho card to card bnane ke liye mna kr rahe hai muje tho kaise banvau card to card axis ka please bta do sir 🙏
@Yourlastrider
Жыл бұрын
@@vickynagrare9219 3 month wait kar lo bhai 3 month ki statement lgaoge tho other card ki limit 97000 milenge abhi karoge tho 15000 milegi aab aap soch sakte ho
@mrs7202
Жыл бұрын
Hey bro I want card money transferred card to bank account and I will pay EMI which card is best
One fine Day Sumanta can simply cash out his limit of all his cards and escape the country and live the rest of his life somewhere like a KING. 😎😎😎
@aryankushwaha1964
Жыл бұрын
Cheap thinking
@samitvanhue
Жыл бұрын
He is already living like a king 👑 you don't know how much he earn from KZread.
@sachinhj9910
Жыл бұрын
@@samitvanhue 👍
@sachin1254
Жыл бұрын
😂😂😂
@sagarsahu6758
Жыл бұрын
@@sachin1254😂😂
Even CRED app would say "bas ab aur nahi hota" 🤣🤣
@nadeemkhan7791
Жыл бұрын
😂😂😂
@aryankushwaha1964
Жыл бұрын
Only 10 there
@mr.netguyhaldar4987
Жыл бұрын
Abb bas vi karo yr👏👏👏
@MotilalMahtoVidrohi
Жыл бұрын
😄
@Datta_Akhare
Жыл бұрын
😂😂
I will get 43 cards and I will post it here. You are my true inspiration man🔥🔥🔥
@RavikumarRandhir
Жыл бұрын
😅
@sachinhj9910
Жыл бұрын
@@RavikumarRandhir 😀
@rajeevranjan3124
Жыл бұрын
😂😂
@dbss206
Жыл бұрын
Matle bhai
@rvsony1
Жыл бұрын
Hahahahahaah waaah yar..
Technofino has acquired many cards due to his sheer experience and perseverance. Very commendable
How did you got SBI BPCL Credit card as lifetime free?
@utsavmehta8289
Жыл бұрын
Answer awaited at the earliest.
@abdulpathan444
Жыл бұрын
Very good question bro....even I was wondering the same. SBI don't give LTF cards and bpcl has a spend based waiver for 50k same for INDUSIND legend and others, they do chargejoining fees and give vouchers for the same. Sumanta bro is great in terms of cc,but in this video most of the statements were irrelevant but to attract the viewers.Most of the cards are not free but have a spend based criteria for annual fee waiver. And for hdfc, he showed 5 cards but 3 of the cards are upgraded and closed such as Diners privilege Pls don't mind Sumanta bro,but its reality so I said it....
@amarnathananth9304
Жыл бұрын
Use for any insurance auto-pay option with your card
Is axis bank providing 5 credit cards for 1 individual? I heard max of 3 axis credit cards can hold by 1 individual. Please someone clarify if anyone have 4 or 5 Credit cards of axis bank?
I have around 12. Highest limit on ICICI Amazon Pay 17 L and thereafter HDFC Infinia 11.60 L. Though I use Amex cards, Infinia and axis ace the most.
@amitabhmaheshwari
Жыл бұрын
@Pk Well Amazon pay limit is because of my relationship with the bank. I hold wealth management salary account with them for last 20 years. HDFC Infinia limit is not that exceptional. Infinia being a premium card of HDFC, they give high limits.
@amitabhmaheshwari
Жыл бұрын
@Pk Actually card upgradation and limit enhancement may not always happen together. If you feel your limit should be enhanced, please contact your bank with fresh income documents in case they require.
@vikashkumargupta319
Жыл бұрын
Sir apka age kitna hai
@amitabhmaheshwari
Жыл бұрын
@@vikashkumargupta319 50 years
@praneethreddy1541
Жыл бұрын
which card is best according to u for offline usage?
Please make a video on how did you manage to get/convert most of the cards as LTF...I want to know about this dark art 😄
@amitabhmaheshwari
Жыл бұрын
If you have high value relationship with the bank you can bargain with them. I got ICICI Sapphiro and HDFC Infinia LTF.
@god__particle__
Жыл бұрын
@@amitabhmaheshwari But the problem is you cannot have "high value relationship" with multiple banks, all at once... can you?
@kakashisenpai99
Жыл бұрын
@@god__particle__ paisa ho toh mumkin hay dost 😔
@RavikumarRandhir
Жыл бұрын
😝
@amitabhmaheshwari
Жыл бұрын
@@god__particle__ You can have say with 2 banks at a time and manage to get cards from them LTF. Then you can always change your bank and start holding high value relation with some other bank and get their credit card LTF. The old bank will not take away the card given to you.
What is the impact of owning 42 credit cards on your credit score?
@hemanthbetha0702
8 ай бұрын
Credit limit will increase and will be under 30% and there will be a good impact on credit score
axis offers only three cards per person. . . how you get more cards from axis
@SunilSoni-sn1ed
5 ай бұрын
Or ke hoge ghar me
Sir, Which card holder or wallet you use for carrying cards? Any suggestions?
@gauravsakhardande903
11 ай бұрын
Lol 😂😂😂
Techno Fino - Really inspired from your Hall of Fame of Credit Cards. May I know which profession or area of work you do? Banks needs a background checks and certain risk assessments based on your credibility. Its seems that you already have passed all of that level which was easily demonstrated here on your video. Really admired your collections but Still Curious to know your background and income credibility areas if you wish to share??? And lastly what you possess is a dream for many people round the globe I guess... Please enlighten us ...
@aryankushwaha1964
Жыл бұрын
Good q
@mubarakansari317
Жыл бұрын
All cards are upgraded card. with shared limit.
@jajsisjw
Жыл бұрын
He is a govt school teacher and amazon usa seller
@hmrinalrj3103
Жыл бұрын
@@jajsisjwhow do you know, and why he's not replying
Finally the much awaited video thank you sir
Nice video Sir... How did you get US credit cards?
I'm sorry for asking this again. Can you please tell me how much you pay for the annual fees for all your credit cards? (This is before using reward points for the annual charges of the cards)
Great collection of great cards... 👌
Hi. I have HDFC Infinia Metal. I need HDFC Times Platinum Card. How can I get 2nd card from HDFC? How to proceed?
@TechnoFino
Жыл бұрын
Email hdfc and request 2nd card by splitting your 1st card limit
@shriniwasgorane8132
Жыл бұрын
@@TechnoFino Ok. In that case in CIBIL, 2 cards are reflected or 1?
Sabi LTF he kya? Nai toh fee barte barte lag jayenge
Please make video on your savings accounts also (privilege banking and regular accounts) How you will manage them?
How did you get BOB all cards LTF??
How did you get SBI BPCL card LTF?
@PrasunKarmakar2024
Жыл бұрын
Mera v same question hai
Hi bro... among 43 card, which one is best or how many cards are best??
@anshbatra1674
Жыл бұрын
Axis Ace obviously
I have almost same number of cards. I want to apply axis magnus/reserve but it has fees. Anyway to avoid those fees
Very informational video as always ✨🤘🏻
Can you make a video explains which credit card is best for what purpose
@TechnoFino
Жыл бұрын
Noted ✅️
@Kumar-kt8st
Жыл бұрын
@@TechnoFino Thanks in advance
@SanjayDas-yz7xh
Жыл бұрын
@@TechnoFino Yes, It will be helpful.
I am working in axis Bank virtual centre few day back a call drop on my system that man have 52 cc active and 3 diactive
@TechnoFino
Жыл бұрын
52 from axis bank?
@rahulkrashn2401
Жыл бұрын
@@TechnoFino yes bro.... Call was land on my system for EMI conversation (convenience customer to not pay full amount due date and convert that amount in emi) and that guy ask me "konsa card ki bat kr rahe ho aap... Actually I told him that I am speaking about My zone but he ask for last 4 digit so I open her "Coustmeber 360" 1 active Saving account 1 debit card and boom 52 active credit card and I am be like... Bhench*d kr kya raha h ye aadmi 1 bank k itne h dusre bank k mila k kitne honge
@TechnoFino
Жыл бұрын
How is that possible 🤔 Axis doesn't have 52 cards 🤔 Ek card do teen br ek customer too mil too nahi sakta
@rahulkrashn2401
Жыл бұрын
@@TechnoFino wahi to me khud itne time se hu 1st time hua aesa... Aur aesa b nhi k system ka glich h us coustmber ne b aage hoke bola ki konsa card mere pas bahut h
@TechnoFino
Жыл бұрын
This is insane!
Sir good video Keep up the good work
Awesome credit management bro. People need to learn to live on credit and with the motto what you don't have, borrow. Debt is good in life. Without debt life is incomplete.
@arpanmahapatra342
Жыл бұрын
Dumbest take I've read on the internet till date🤭
@amitabhmaheshwari
Жыл бұрын
Actually if you spend using your credit card only that money which you have at the time of purchase and always make full payment on or before the due date then credit card purchase is hardly a debt, though technically it may be
@nayadav3821
Жыл бұрын
@@arpanmahapatra342 sarcasm nhi samajh aata hai kya bhai
Hey TechFino loved your video. Just 1 doubt how you know of the ltf credit cards and apply for the good ones
Bhai maineh hdfc ki website seh credit card apply Kiya ha lakin menah offline kyc ka option choose Kiya ha toh meh ish offer ka benefit leh payunga 1500 Rs voucher on applying hdfc credit card • The offer is only valid on completing the application end-to-end digitally without any help or assistance of a HDFC Bank representative, either verbally or in person.
How is ICICI emerald emirates card compared to amex platinum for travel. Icici is giving 2.5 sky Miles compared to 2 in amex. Is it worth it or stick to amex?
Sir how do u have USA based Credit cards? Do u stay in usa? If no what benefits of holding usa credit cards in India?
Is it good to take citi bank credit card now, as its merger with Axis bank is in full swing and how to get one card with banking partner SBM Bank, Whats your One Card Banking partner. Thanks
More than 12 CC can drastically drop your cibil.. Credit mix is very important
Hello sir, I have 11 credit cards and Is there a way I can know whether I have annual fee or LTF? I forgot whether they are free or there are charges and if they have charges I want to know what is the limit for reversal ( annual transactions)
But how do you manage or keep card active even though card is LTF, as according to new rule one year CC is not active then it is closed correct?
@TechnoFino
Жыл бұрын
Use your card once in a year.... ✔️
hey brother as you shown in video you are having 5 axis bank credit card but axis bank offer only 3 cards at a time so how could you keep 5 credit cards please tell me thnx.
@adityauppal4928
Жыл бұрын
yes please answer this question. im facing similar issue with axis bank
Axis only gives 3 credit cards at a time, so how did you manage to get 5 credit cards ?
How are you able to get so many cards from the same bank. Generally banks have a limit of number of cards issued to a customer. Also being a prominent credit card youtube channel do banks make exceptions so that you review their cards and make it LTF?
@TechnoFino
Жыл бұрын
Everything is possible, You have to push them... No I don't ask bank for ltf credit card for review.
@ketanpatil1950
Жыл бұрын
Paisa ho to sab milta he bhai. 😅
@jayneshshah6407
Жыл бұрын
but bob me to 1 card hi milta he..2nd card invite basis pe hi milta he ...but aapke pas to multiple bob cards he great...
@chandanit2000
Жыл бұрын
Hdfc gives only 1 card per customer..how did you manage 2nd card?
My HDFC Credit card status showing InProcess for 25 days. I applied online on 29th Sept 2022. No further update. What to do now? Plz reply me sir
How to check if my location is serviceable for Citi credit cards and Amex credit cards?
True inspiration to the youth saar!!! Such a mammoth and challenging task can only be accomplished by the experienced!
@amitabhmaheshwari
Жыл бұрын
Mere khyaal se isper competition karna galat hai. Circumstances ki baat hai. Waise 3-4 achhe cards rakho apne spend pattern aur lifestyle ke hisaab se.
@MegaAkash123456
Жыл бұрын
@@amitabhmaheshwari lagta he apko sarcasm samaj nhi ata
@amitabhmaheshwari
Жыл бұрын
@@MegaAkash123456 Sorry, but there are people who really believe in it and are not sarcastic.
@sachin1254
Жыл бұрын
😂😂
@jajsisjw
Жыл бұрын
@@amitabhmaheshwari true
Hello_Axis bank ek coustomer ko maximum 3 card hi de sakta hai aur apke pass 4 card hai to unme se 1 apka deactivate ho gya hoga aur Hdfc bank ka rule hai per coustomer per card to apke pass 2 card kaise hai_agar apne 2nd card activate Kiya hai to purana card 60 days main decativate ho jaata hai !!
One card ke transaction fail hote h ? Fuel or offline transactions pr cash back milta h ? Customer support achha h ?
'Super Premium card LTF Lena art hai'
Thanks for this video.. please make a video on your closed CC and why you closed that.
Sir amex card me, video kyc ke liye location par available rahena jaruri hota he, and v kyc ke baad physical verification hota he ki nahi Pls reply
Which type of ICICI savings and Bob savings account are you using?
@saieaswertej
Жыл бұрын
Please make a video on all the savings accounts you are holding.
Any Cooling period between 2 application ?
How to Get Onecard ? Many Attempt of trying but didn't approve
When I recorded this video, my card count was 42, but got 2 more cards recently... so it's 44 not 😅
@srijeetbiswas7081
Жыл бұрын
uska bhi alag se video chahiye
@souviknandi1015
Жыл бұрын
your credit score?
@utkarshsharma7914
Жыл бұрын
@@souviknandi1015 his credit score is 794
One question, if I take a Vistara credit card from both Axis and SBI, will the CV ID be same on both the cards?
@TechnoFino
Жыл бұрын
Yes same
hi i had applied for pnb rupay milliana card vdo was done very next day unfrontinatinly vdo kyc was successuflly then i after i had numbeer of complains to pnb but no response then how can i get pnb minlina card?
Fantastic sirrrrrr.....1st view sir plz reply....🥰🥰🥰🥰🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻
I used and ordered a mobile using yaper app and can u please suggest if it safe or not? Did u ever use this card to order a product using ur card? please let me know.
@bablududdi225
Жыл бұрын
100% safe, no problem at all
Can you please guide, how to get multiple CC of BOB ???
@chungamunga9898
Жыл бұрын
just show them your ass. they will give lots of credit card.
Bro tell How you get sbi BPCL card as lifetime free i also have a sbi card want to convert it to LTF
Bro how did you get that many cards as LTF what is the trick can you doa video on it... For example icici emarald that is not LTF card but how did you got it??
Bhai Mera 3 question hai aapse 1. Aapka Kon kon sa Bank account hai 2. Aapka credit score kitna hai 3. LTF CREDIT CARD KESE KARE 🤔🤔🤔 please reply.
Dear sir please reply CIBIL SCORE MAIN AVAILABLE CREDIT KA MATALAB KYA HOTA HAI
Sir..Does HDFC millennia card gives 5% cashback on Amazon gift card purchase?
@x_man007
Жыл бұрын
No it's closed
Hey TechnoFino! I want to know how can we bypass credit limit and spend more... For example. I have credit limit of RS 1 Lakh, is it possible to use 1 lakh then pay it instantly and then again use credit card for transaction in month several times ans so on. Will it hurt my CIBIL or credit score?
@amitabhmaheshwari
Жыл бұрын
Yes, it can hurt. This strategy is not advisable on several counts. Bank may think you are using the card for business purposes and it may block the card.
@da01ksdfm
Жыл бұрын
@@amitabhmaheshwari As he said that he has bought a macbook by using 42 lakh RS from his credit card in course of 8 months. How his credit card is not banned? Maximum credit limit in india is i think 2.5 lakh.
@TechnoFino
Жыл бұрын
You can but you have to pay before reporting date, few banks doesn't allow you to use your card for after spending 4x or 10x using this way.... My sc card limit is 6.84L
@da01ksdfm
Жыл бұрын
@@TechnoFino thanks for reply 😀. How many times can you repeat it on SC card. I Want to know the total effective credit card limit a month if i pay and use it again and so on...
@amitabhmaheshwari
Жыл бұрын
@@da01ksdfm There is no such max limit of 2.50 lakhs. My ICICI Amazon Pay card has a whopping limit of 17 lakhs.
Bhai 10L se jyada financial year mai spend kar diya too credit card se then income tax department se notice ata hai kya? please reply,if yes,any bypass method???
@TechnoFino
Жыл бұрын
Notice aayega he aaisa kuch bhi nahi hai
@koushikbhowmik4254
Жыл бұрын
@@TechnoFino Notice ane ke baad koi problem ho sakta hai kya? Keuki mai ak student hu,itr file nhi karta. please reply bro
Having so many LTF credit cards and not using some of them will hamper tlour credit score? Is it good to close those cards? Pls suggest.
@TechnoFino
Жыл бұрын
It will not hamper credit score
Axis allows maximum 3 credit cards and BOB allows maximum 2 credit cards so please suggest sir, that how to get more that 3 cards of these banks. And how to get them free for lifetime
As We know now a day we can keep upto 3 CC in one bank credit card ho did u got above three CC and also how did u got american express usa card tell me.
I have got a SBI save card directly from sbi. Sir , i want to apply for a paytm sbi credit card from paytm . I want to know whether credit limit will be shared between this 2 cards or new credit limit i will get with paytm sbi card
You are the king of Credit Cards
Us ka credit card aap ne kaise le liya sir india se...? or sir aap ne axis or icici 5 credit card kaise Mila sir kyu ki maine bank se baat Kiya maximum 3 card mil sakta hai par ek condition hai sab ka limit equal hota hai....Please make a video for
"Credit enquiry" affects cibil score. Credit enquiry counts when... 1. Clicking on credit card application link only 2. Credit card application submission 3. Some steps are filled up 4. Over phone call Plz sir make me clear....
@TechnoFino
Жыл бұрын
After submitting application successfully
How to apply for capital one card from India?
দাদা পশ্চিমবঙ্গের কোন জেলাতে বাড়ি আপনার...
Aap cred use karte hai ya nhi. Multiple card manage karne ko kaun sa app best hai....
hi Sumanta Da, i heard if we have many cards and we don't use then our CIBIL score will get affected negatively..is it?
@TechnoFino
Жыл бұрын
100% false information... don't worry about it
Sir ji,mene aapna higer limit wala card ,law limit Wale card bank ko Mail bheja liye limit ke liye lekin Vo salary slip mangte he, Kya karu pls... suggest me Thanks.
Most awaited video
SIR sbi BPCL card ko kese LTF Kiya ?
Axis doesn't give us more than 4 cards man! How did you get to keep more than that? I am really jealous. 😉
@TechnoFino
Жыл бұрын
Exception 😄
@ankitm8246
Жыл бұрын
Or lie to get views
@talkshow966
Жыл бұрын
Axis gives only 3 credit cards bro
@vaibhavthegarg
Жыл бұрын
@@TechnoFino only 3....he is lying
@ArTest01
Жыл бұрын
Axis gives only 3 cards for a person. Axis bank allows axis bank's staffs and lic's staffs only to have 4 cards at maximum.
How to get capital one credit card from india ?
How did u get BPCL Lifetime free??
HOW your SBI CARD LTF ?
But you can keep 3 Axiscard at a time?
Which cards are currently being offered as LTF? And konse near future me LTF hoge, can anyone tell??
@TechnoFino
Жыл бұрын
Idfc first bank card - bit.ly/3byZA2q Bob cards (easy,select and primer)- bit.ly/370oK7H Au cards for selected companies- www.technofino.in/community/threads/au-bank-credit-card-how-to-get-lifetime-free-credit-card-from-au-bank-lifetime-free-company-list.177/
@keshavkasat9465
Жыл бұрын
@@TechnoFino i don't think bob is issuing ltf cards now. Can you confirm pls?
60% are LTF whcih anyone can get, actual card number: 15
I have 11 credit cards 😊and happy to use all cards
Is sbi bpcl credit card LTF … ? Usually sbi cc are chargeable
Too many credit cards and their hard enquiry from Bank affects CIBIL score a lot. You didn't mention that in the video.
@SidharthanPV
Жыл бұрын
No of accounts has Low impact on cibil. But if there is a card rejection it will have a high impact.
@AbhishekGupta-hk1ig
Жыл бұрын
@@SidharthanPV where can i read more about this?
How did you get multiple credit card with a one bank, while many bank doesn't offer multiple card, plz make a video how many cc a bank can offer to a person.
How did you get US cards in India or u have SSN?
मेरे पास अमेजन पे icici का कार्ड है, upgrade का ऑप्शन मिला तो मैने अपग्रेड कर लिया makemytrip कॉर्ड। पर इसका जो बैलेंस है 1 लाख का वो amazon pay ka add on card Diya hai mujhe separate Card चाहिए था।
How does he remember all pin numbers?
How did you get so many cards from one bank ? Like for BOB , till now they're only allowing 2. For HDFC, the limit is 1, extensive users get 2. How come you've 4?
@amitabhmaheshwari
Жыл бұрын
Techno Fino - Naam hi kaafi hai
@lohithc6307
Жыл бұрын
I’ve hdfc moneyback and regalia first cc so they do give more than 1 cc.
But 1 bank to maximum 3 cards provide karte hai to apke pas jiyada kaise??? @Axis bank Please reply...
Hi bro, It is really great. I'm following you from last few months. It would be really helpful if you add English subtitle on your videos, so that native people can also understand much.
@TechnoFino
Жыл бұрын
I'll surely work on this 🙂
@ragulsithuraj9929
Жыл бұрын
@@TechnoFino Great. Hats off!
Sir one dout? Axis Bank or icici credit you are getting merge limit or different limit with 5 cards?
@chandanit2000
Жыл бұрын
It’s always a shared limit
Muje 15 kai upar card nahi ja rahe hai ab jo bhi card apply karta hu reject ho ja rahe hai. Axis bank 3 baar reject ho gaya. Kotak bhi reject hdfc bhi reject. 😢
How have you managed to get > 3 axis credit cards that too in premium/super-premium category? Axis bank doesnt provide > 3 credit cards and you have 5. Similarly you have 6 ICICI bank cards out of which 5 are LTF, I mean how? ICICI also doesn't provide more than 5 cards generally. And you have 5 BOB credit cards and that too all LTF..BOB doesnt provide more than a single card to a customer. I hope you are not showing images of axis, BOB and icici credit cards which you have cancelled/upgraded from as a clickbait? I simply find the truthfulness of this video questionable.
@TechnoFino Eazydinner Credit Card LTF kaise mila? Is there any trick?
Which credit card working for card to card payment