which cell phones do u use and how much credit do u keep?

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how much credit do u keep in ur cell phones. cos i have a problem with the idea sim. after making 2 or 3 cals of 2-3 min each i get to know tht i had lost 42rs. this is ridiculous !!! this happened to me 6-7 times in this 2 yrs of span. any one of u facing the same prob. if not how do u use or recharge? any other caller sims r also appreciated...