TRICK TO PAY THE IDFC CC BILL WITHOUT PAYING ANY MONEY.

[ccdc]

Wse which app and Credit Card do you use to pay using CC UPI? a few UPI apps immediately fail a Txn without money getting deducted.

@Kumar93196, which app and CC did you use?

Getting to know the correct combination might help in running this like a well oiled machine. 😂

all well oiled machines when coming into contact with TF...becomes rust laden and stops working...dont know how but TF has this effect on well oiled machines.

 

[aam.aadmi]

Been using this trick to pay all my credit card bills for months. 50 days keeps getting added. I'm living on credit

Unethical, but perfectly legal. And the reward points will keep on accumulating with each statement 🤣

 

[runningfast]

This is normal behavior in Axis Bank RuPay (IndianOil) credit card also, but I make full payment before due date. Any refund shows as partial/full payment.

 

[neel]

Unethical, but perfectly legal. And the reward points will keep on accumulating with each statement 🤣

No rewards, you're wrong

 

[dvader]

Unethical, but perfectly legal. And the reward points will keep on accumulating with each statement 🤣

Not even unethical just an accounting side effect. and as @neel as correctly pointed out NO rewards. The banks loose nothong except for an extra 50 days but that's not a huge problem either because you only gain extra 50 days one time after that you have to make payments in 50 days cycle so banks dont care much.

 

[dvader]

all well oiled machines when coming into contact with TF...becomes rust laden and stops working...dont know how but TF has this effect on well oiled machines.

 

[aam.aadmi]

No rewards, you're wrong

Won't the failed payment count as a purchase?

 

[Kumar93196]

These types of payment will be needed to be paid in next month bill.

I used Kredit pe app for this payment.

Not even unethical just an accounting side effect. and as @neel as correctly pointed out NO rewards. The banks loose nothong except for an extra 50 days but that's not a huge problem either because you only gain extra 50 days one time after that you have to make payments in 50 days cycle so banks dont care much.

 

[AlgoTrader]

which app op used?

 

[Mr. X]

Following the thread 😀

 

[Mr. X]

IDFC consider reversal aa repayment?

 

[Kumar93196]

IDFC consider reversal aa repayment?

Yes. . .

 

[Sandeep746]

Agree with moderator note here

 

[rakeshgupta]

For which banks/ cards do these tricks work?

Try to pay any credit card bill, fastag and use UPI option on Mobikwik and then select IDFC UPI app, this will show idfc pay option via UPI and transaction will fail finally. But in statement it will show success and reverse. And your bill will show paid.

 

[2025]

Try to pay any credit card bill, fastag and use UPI option on Mobikwik and then select IDFC UPI app, this will show idfc pay option via UPI and transaction will fail finally. But in statement it will show success and reverse. And your bill will show paid.

I don't have Idfc account or card.

 

[rakeshgupta]

I don't have Idfc account or card.

Ohh I used for IDFC credit card only, not sure if we add other Rupey credit card on idfc UPI app and try same.

 

[harshgupta940]

I had shared something like this where IDFC considers any reversal or credit for the transaction done in current cycle as a payment for the previous cycle and reduces the TAD.

Thread 'IDFC Charged me Interest for Reward Redemption'

Kindly read this thread as this may clear some of the doubts you may have as IDFC's system may charge interest automatically and you may fight with them once but after repeated requests IDFC will understand as they will have history of all such requests made by a person for a particular credit card account.