Get credit when you have zero or low balance

Way to get credit when you have zero or low balance. On the very next recharge, mobile operator deducts the talk time loan with a nominal fee.
all-operators-credit
Vodafone:
Dial *111*10#
Now select 4th option for “Chota Credit”
To choose whether you are eligible or not press 1
Then press 0 if you are eligible.
You will get 5 or 10 Rs. Balance

Airtel:
Dial *141*10#
Select first option
You will get 10Rs. Balance

Aircel:
Type LOAN and send it to 55414
Or Dial *414#
You will get 10Rs. Balance

BSNL:
Type CREDIT and send it to 53738
You will get 10Rs. Balance

Idea:
Dial *150*03#
You will get credit option on your screen.

Reliance:
Type YCR and send it to 52134
Then option will come to take credit from which you can take credit.
You can get 5 or 15 Rs. Balance

Tata Docomo:
Dial *369# and you will get balance
Or
Type LOAN and send it to 369

Telenore:
Dial *0#
You will get 10Rs Balance

Note: Some companies will credit only when your sim will be 3 month older.