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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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.
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जय हिन्द, वन्दे मातरम
Jai Hind, Vande Mataram

[@TechnoFino]

TechnoFino Community (India's #1 Community Of Banking & Credit Card Experts)- technofino.in/community (Join Now & Start Discussing) Website - technofino.in Follow Me On Twitter - twitter.com/technofino Facebook - facebook.com/TechnoFino/ Instagram - instagram.com/TechnoFino/ Telegram Group - t.me/joinchat/VWsyApYc0XyTJGTQ Our Facebook Group " Technofino - To Help, Get Help " for helping each other. Link- facebook.com/groups/TechnoFino/

[@MadhurAgarwalDce]

Hi, How much time it took you to collect all these cards... Just curious

[@farhanghumra6484]

Telegram group link is expired, please renew it.

[@Yourlastrider]

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]

@@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]

Hey bro I want card money transferred card to bank account and I will pay EMI which card is best

[@sachinhj9910]

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]

Cheap thinking

[@samitvanhue]

He is already living like a king 👑 you don't know how much he earn from KZbin.

[@sachinhj9910]

@@samitvanhue 👍

[@sachin1254]

😂😂😂

[@sagarsahu6758]

@@sachin1254😂😂

[@MadhurAgarwalDce]

Even CRED app would say "bas ab aur nahi hota" 🤣🤣

[@nadeemkhan7791]

😂😂😂

[@aryankushwaha1964]

Only 10 there

[@mr.netguyhaldar4987]

Abb bas vi karo yr👏👏👏

[@MotilalMahtoVidrohi]

😄

[@Datta_Akhare]

😂😂

[@ItsRasool]

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?

[@niravrko2]

How did you got SBI BPCL Credit card as lifetime free?

[@utsavmehta8289]

Answer awaited at the earliest.

[@abdulpathan444]

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]

Use for any insurance auto-pay option with your card

[@sachinhj9910]

I will get 43 cards and I will post it here. You are my true inspiration man🔥🔥🔥

[@RavikumarRandhir]

😅

[@sachinhj9910]

@@RavikumarRandhir 😀

[@rajeevranjan3124]

😂😂

[@dbss206]

Matle bhai

[@rvsony1]

Hahahahahaah waaah yar..

[@sachinhj9910]

Technofino has acquired many cards due to his sheer experience and perseverance. Very commendable

[@saswatab79]

Very envious collection. How to manage all these credit cards? What do you do apart from KZbin to spend on these cards. Why American cards were you working in US?

[@amitabhmaheshwari]

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]

@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]

@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]

Sir apka age kitna hai

[@amitabhmaheshwari]

@@vikashkumargupta319 50 years

[@praneethreddy1541]

which card is best according to u for offline usage?

[@chetankagyan]

Sir, Which card holder or wallet you use for carrying cards? Any suggestions?

[@gauravsakhardande903]

Lol 😂😂😂

[@akshaygopal3301]

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?

[@rahulreddymandadi3325]

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)

[@sandipansaha943]

Hey TechFino loved your video. Just 1 doubt how you know of the ltf credit cards and apply for the good ones

[@shobhitsrivastava21j]

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

[@bhuviiraj8109]

One card ke transaction fail hote h ? Fuel or offline transactions pr cash back milta h ? Customer support achha h ?

[@dhavaljoshi1928]

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

[@god__particle__]

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]

If you have high value relationship with the bank you can bargain with them. I got ICICI Sapphiro and HDFC Infinia LTF.

[@god__particle__]

@@amitabhmaheshwari But the problem is you cannot have "high value relationship" with multiple banks, all at once... can you?

[@kakashisenpai99]

@@god__particle__ paisa ho toh mumkin hay dost 😔

[@RavikumarRandhir]

😝

[@amitabhmaheshwari]

@@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.

[@vijayshukla3297]

Aap cred use karte hai ya nhi. Multiple card manage karne ko kaun sa app best hai....

[@PiyushDudhane]

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)

[@tadukavamshikrishna3135]

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??

[@soumyadeep.charan]

Kitna total renewal charge lagta hai sab card manage krne k liye?

[@saswatab79]

Can I close one card of the same bank as I have multiple cards of ICICI and SBI in my collection now. If I close one of my card from same bank will it reduce my credit score?

[@himansudakhane9628]

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]

yes please answer this question. im facing similar issue with axis bank

[@NipunAgarwal]

I have almost same number of cards. I want to apply axis magnus/reserve but it has fees. Anyway to avoid those fees

[@shriniwasgorane8132]

Hi. I have HDFC Infinia Metal. I need HDFC Times Platinum Card. How can I get 2nd card from HDFC? How to proceed?

[@TechnoFino]

Email hdfc and request 2nd card by splitting your 1st card limit

[@shriniwasgorane8132]

@@TechnoFino Ok. In that case in CIBIL, 2 cards are reflected or 1?

[@pallabdas8958]

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]

100% safe, no problem at all

[@VikasKumar-pm4nd]

Sabi LTF he kya? Nai toh fee barte barte lag jayenge

[@saurabhoberoi6856]

Is sbi bpcl credit card LTF … ? Usually sbi cc are chargeable

[@raghavsrivastava2910]

Nice video Sir... How did you get US credit cards?

[@WaseemKhan-zc3ru]

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

[@selvasiva7822]

Hi bro... among 43 card, which one is best or how many cards are best??

[@anshbatra1674]

Axis Ace obviously

[@koushikbhowmik4254]

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]

Notice aayega he aaisa kuch bhi nahi hai

[@koushikbhowmik4254]

@@TechnoFino Notice ane ke baad koi problem ho sakta hai kya? Keuki mai ak student hu,itr file nhi karta. please reply bro

[@nayan7p]

axis offers only three cards per person. . . how you get more cards from axis

[@SunilSoni-sn1ed]

Or ke hoge ghar me

[@RupeshVerma123]

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]

100% false information... don't worry about it

[@gurjitkaur468]

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?

[@mojo_jojo91]

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]

Everything is possible, You have to push them... No I don't ask bank for ltf credit card for review.

[@ketanpatil1950]

Paisa ho to sab milta he bhai. 😅

[@jayneshshah6407]

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]

Hdfc gives only 1 card per customer..how did you manage 2nd card?

[@knowledgeideas5738]

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]

Use your card once in a year.... ✔️

[@karansonawane4384]

Dear sir please reply CIBIL SCORE MAIN AVAILABLE CREDIT KA MATALAB KYA HOTA HAI

[@pradeepthakur1282]

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?

[@ashishrao3069]

What is the impact of owning 42 credit cards on your credit score?

[@hemanthbetha0702]

Credit limit will increase and will be under 30% and there will be a good impact on credit score

[@SubbaReddyGowru]

Axis bank credit cards limit is 3 right? How did you get many cards?

[@asitkshukla]

Sir..Does HDFC millennia card gives 5% cashback on Amazon gift card purchase?

[@x_man007]

No it's closed

[@avinashpatil2814]

Any Cooling period between 2 application ?

[@saieaswertej]

Which type of ICICI savings and Bob savings account are you using?

[@saieaswertej]

Please make a video on all the savings accounts you are holding.

[@ravirunjan]

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.

[@tushyasingh3248]

Hey! How did you get US 🇺🇸 version of amex and citi cards 🎴 💳 ? Can you please tell me the process ?

[@saswatab79]

Please make a video on creating a credit card portfolio based on ones needs. What are must have cards in everyone's portfolio. If you were to keep only 1 credit card out of 42 which one would it be

[@gauravmusafir]

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]

It will not hamper credit score

[@praphullpatil9660]

How did you get SBI BPCL card LTF?

[@PrasunKarmakar2024]

Mera v same question hai

[@MrYadav08]

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 !!

[@MKJ07]

Cibil kitna he apka and kitne kitne time me apply karna chahiye cards

[@singhj007]

As per my knowledge HDFC bank doesn't allow 2nd card then how did you manage it??

[@TechnoFino]

They offer 2nd card by splitting your credit limit.... now I have 3 cards from hdfc. Added tata nue recently

[@ajitkumarrgupta]

How did you get US cards in India or u have SSN?

[@mrdeepak4284]

Which credit card working for card to card payment

[@vijiljohnson9320]

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

[@tarunsetia1642]

Bro tell How you get sbi BPCL card as lifetime free i also have a sbi card want to convert it to LTF

[@RahulSharma4931]

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.

[@souravmajumder8318]

How did you get BOB all cards LTF??

[@sumitchaudhary343]

Hdfc me do card rakh sakte hai?Mere pas moneyback hai Aur diners privilige ke liye apply kiya hai. Dono rakh sakte hai kya

[@aryamannsinha01]

Ek close ho jayega

[@sumitchaudhary343]

@@aryamannsinha01 hmm yes moneyback close ho gya

[@dhavaljoshi1928]

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.

[@tarundhawan8802]

@TechnoFino Eazydinner Credit Card LTF kaise mila? Is there any trick?

[@abdulgaffar8703]

But 1 bank to maximum 3 cards provide karte hai to apke pas jiyada kaise??? @Axis bank Please reply...

[@bobyantony2937]

Sir one dout? Axis Bank or icici credit you are getting merge limit or different limit with 5 cards?

[@chandanit2000]

It’s always a shared limit

[@Kumar-kt8st]

Can you make a video explains which credit card is best for what purpose

[@TechnoFino]

Noted ✅️

[@Kumar-kt8st]

@@TechnoFino Thanks in advance

[@SanjayDas-yz7xh]

@@TechnoFino Yes, It will be helpful.

[@spiritualhistory3796]

Fantastic sirrrrrr.....1st view sir plz reply....🥰🥰🥰🥰🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻

[@sohamchoudhury3936]

Axis only gives 3 credit cards at a time, so how did you manage to get 5 credit cards ?

[@chandranandhar3716]

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]

Yes same

[@alfazahmed8014]

Brother ,for standard HDFC savings account ke liye millennia credit card mil payega ya fir classic karna padega account ko??

[@aryamannsinha01]

Normal me bhi milta h bro

[@aryamannsinha01]

Mere family me Bina premium account k regalia n millennia h

[@beutifullife6351]

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.

[@da01ksdfm]

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]

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]

@@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]

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]

@@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]

@@da01ksdfm There is no such max limit of 2.50 lakhs. My ICICI Amazon Pay card has a whopping limit of 17 lakhs.

[@kvlalani]

Isme se kitne chargeable hai aur kitne LTF hai?

[@sarveshjagga2386]

How many American express credit cards can you have?? Can you pls tell where are thode cards which you have from American express

[@amitabhmaheshwari]

Normally one charge cards and two credit cards. Though there are exceptions to this.

[@jhankarkalidfc6541]

Axis Bank ka kintna card active hai?

[@allinonechannelajaybihari562]

Axis ace or axis freecharge card dono h dono me 5% CB milta h konsa rakhe or konsa band karba de batiye please

[@talkshow966]

Axis ace on rakhna as always

[@AvneeshS]

How to check if my location is serviceable for Citi credit cards and Amex credit cards?

[@manishchadhar089]

Can we use ICICI MMT card in Amazon online offers to avail discount?

[@tkdhang]

Yes

[@rajde3201]

Humko icici ka card nehi mil raha hay. Keyse milega Card to card pls tell

[@chaitanyapatil4826]

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

[@amansohal5484]

How to get capital one credit card from india ?

[@devangbhardwaj5041]

Bro How did you get 5 Axis Bank Credit card.. ? Yaha BOB or Indus ka ek card nahi mil raha h or bhai ne itne le liye

[@amankumar-zu3nh]

Jyada credit card lene se cibil score km ho jata h na?

[@surajlenka5485]

SIR sbi BPCL card ko kese LTF Kiya ?

[@krishnabiswas9646]

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

[@sagarrahi]

LTF humare kaise hoge or bob ke par parson kitne card le skte hai

[@hirensonagara2621]

But you can keep 3 Axiscard at a time?

[@onlinepoint9350]

দাদা পশ্চিমবঙ্গের কোন জেলাতে বাড়ি আপনার...

[@sumith1986]

which is best fuel credit card

[@mohsinpirzade444]

Sir zyada card lenese cibil score pe effect hota hai kya

[@velurichaitu]

How did u get bank of baroda 2nd 3rd card .

[@SavitaDudpuri]

How did you got sbi bpcl credit card for lifetime free.

[@asif-zaman]

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]

Good q

[@mubarakansari317]

All cards are upgraded card. with shared limit.

[@jajsisjw]

He is a govt school teacher and amazon usa seller

[@hmrinalrj3103]

​@@jajsisjwhow do you know, and why he's not replying

[@krishnabiswas9646]

From which date Credit card annual period starts? Date of issue, date of activation or date of receive card?? Plz tell me sir

[@TechnoFino]

Date of card issuance

[@krishnabiswas9646]

@@TechnoFino thank u sir

[@sandeepbhandari-v5m]

bhai how much do you ear to pay these many cards

[@thelawlearners924]

AXIS KE TOH 3 HI CARD LE SAKTE HAI NA?/

[@muzzaiyyanhussain1141]

liberty vs easy access Liberty m wallet reload kru to maintain krna padega kya Reply krooooo

[@TechnoFino]

Liberty ac acchha hai... Debit card se wallet load karo too maintain nahi karna hoga.

[@muzzaiyyanhussain1141]

@@TechnoFino agar m aesa har month kru to bhi chalega na

[@Rj-Zubi]

Can you please guide, how to get multiple CC of BOB ???

[@chungamunga9898]

just show them your ass. they will give lots of credit card.

[@rtated]

How do you get US credit cards? Do you have residence there too?

[@sachinsaxena7145]

How u get more than 3 credit card for most of bank... is it you are addon member for other??

[@TechnoFino]

No bro... all are my personal credit cards, You can get multiple cards from same bank.

[@S.raj10]

How many cards are allowed from a single bank?

[@Abudhalal]

I also have SBI BPCL Credit but not LTF, How to convert to LTF?