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To avoid loosing the 100naira airtime. Simply
recharge the 100naira you want to use for the payment by dialing *885*YourRechargePin#
With this you have automatically paid for the 100naira you borrowed and still left with 100naira Bonus.
NOTE.
The same trick is applicable to any amount you borrowed from MTN.
Also note that normally when you recharge with *885* it doubles the amount you recharge.
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