Credit Cards are for MIDDLE CLASS |Credit Card EXPERT Explains the use of Credit Cards|

[@jubail_hasan]

In reality : Before credit card monthly expenses : 5000 as student After credit card : 10000 - 15000 😂

[@soumyajitbasulive]

Yes. this is not only for student,it is for everyone.

[@aloknayakofficial]

Now government track all your credit card expenses.... So be carefull.

[@jubail_hasan]

@@aloknayakofficial then anything happened bro ?

[@jubail_hasan]

@@suhasshinde7086 yes but in this social media time self discipline is very hard to manage for self growth

[@pepe_2518]

@@aloknayakofficial Why should I be careful? Taxes? Genuine question

[@sagarrayabagi5325]

This much energy if we spend on income generation is good..If people can manage multiple things they can take

[@vinayakgupta3784]

Depends on mindsets

[@chaturvediclassesagra]

Jaise Main Ek teacher hun Aur Main Apni profession Mein Chahe jitni bhi energy spend kar lun 15000 se upar Army nahin kar sakta abhi is Samay to ab aap bataiye main Kis Tarah Se energy spend Karun ki meri arning badh Jaaye aur Agar arning Nahin badh sakti to mujhe energy Kahin aur is friend karni padegi ₹ bachane ke liye

[@vishwas22khare]

​@@chaturvediclassesagraapko tarika change krna hoga ....Teach online grow your students sell courses and books .... Otherwise change the profession

[@mitul_soni]

Now most of Merchant is disabling particular UPI options to pay via RuPay credit card due to additional charges to the merchant. Merchants should not have access to disable this option.

[@princesainixd]

when you pay above 2k , then they gotta face the charges otherwise its considered as normal payment and the charge is appx. 1-2% of the transaction

[@VenkateshChannal]

The pdf if added to description will be very helpful. Please attach as mentioned during the interview

[@vijayascocina4866]

Tracking spending on credit cards is very difficult..you would need cash in hand to feel confident or peace of mind. In credit card you tend to overspend..you would not be able to build a good corpus in long term or any good investment..your mind will also be occupied in tracing your credit cards and reward points

[@Johnwick-fg7le]

BS

[@sayandey6136]

Damm true bro

[@NEO-bi4bn]

Depends on your mindset. I have been using credit cards since I started earning 15 yrs ago. I don't think i have spent even 1 rupee extra bcos I have been using credit cards. I buy what I need and what I can. Medium of payment does not matter, but I try to maximize credit card usage.

[@animeshsahu2803]

See tracking to i believe jyada better hoti h, as it gives statement every month that you don't get with savings account, you have to manually pull it out kindof. But yes spending increase ho sakti h due to incentivization, but wo control ho sakti h, just have to get a sense of affordability.

[@kartikeyachoudhary5742]

Bro you have to spend only some percent of your income, if your income is less than your income than you will definely fall in debt trap.

[@dhananjaybhandurge4227]

Where is the PDF which you mentioned in the video?

[@hiteshvarma27]

Okay so lot of bogus info here. HSBC cashback does give 10% but upto 1k Rs per billing cycle. Like literally wtf. Swiggy HDFC gives more -1500. You can use in addition probably. Secondly American expresss that he said gives 50% off has a joining fee of 60k and per month limit of 5k. Lol.

[@pranayk37]

Thanks for pointing it out 😂

[@shubhamkumar9532]

Dear i got 1lakh cashback from amzon icici in one month

[@adjforever]

Very useful podcast on credit cards. Coz it's very practical than many other channels' podcasts

[@jitenderkr.6082]

Rupay card pe merchant ko 2% charges dene padte hai. That's why most of the merchants are not accepting Rupay cards for UPI payments. Jo merchants accept kar rahe hai unko abhi pata nahi ki 2% charges dena padega.

[@rudrikvyas9479]

Can't find the PDF that you guys mentioned. where can I find it?

[@Mindset_Mastery876]

Pdf notes ka links description me nhi h, sir link kaha se milega, thanks for your efforts lot's of love ❣️ ❤❤

[@Ankit-dm3im]

@indmoney pls attach pdf

[@suhasshinde7086]

Yearly Min Rs. 10,000/- earn from Credit card and now last month I add Airtel Axis master CC so it will more for this year. I use Excel for tracking, 70% Expences on CC and Love this video aur thoda bada hona chahiye tha video. Thank For valuable Info. ❤

[@MARKCRASTO]

Suhas, please make a video or write a blog on this.

[@hemantmann2170]

All these are traps by credit card industry. He is talking about iPad, iPhone big expensive items. Instead you can buy it's counter part much less. 60k iPhone instead buy 15-20k phone. Invest 40k 😂 Thanks me later. p.s. Debt trap video

[@15Krati]

But, one can use a credit card to purchase a 15k phone...his logic holds...even for a cheaper alternative

[@aj5180]

I am using my 3.5 yrs old iphone and still getting all software updates on time. Good luck getting timely security updates on your 15k phone after 3 yrs.

[@hemantmann2170]

@@aj5180 I can buy latest Android phone every 3.5 yr with interest amount only 😁

[@bibekdebbarma.]

@@aj5180 tbh not many people care about software updates/security updates, 90% of Indians don't even know what those are. So, just by saying that apple doesn't become superior to android. And matter of fact I'm also using an android phone it's been almost 4 years without any problem. I also am not against cc and I think they are pretty useful if used right.

[@aj5180]

@@bibekdebbarma. I dont have anything against android. Apple is not superior to android phones of comparable price. In my experience sub 20k phones after 3 years become painstakingly slow or some or the other component fails. Totally agree with you that 90% people dont care about security. I am totally pro CC. I have 12 active credit cards.

[@DesignerDev369]

Where is that pdf for credit card information??

[@rajendrakujur2078]

Why IndMoney doesn't have option to pay bills of SBI Rupay card???

[@kheemrawatofficial]

Grateful ❤

[@salmanbaig4060]

Good Information Brother

[@jaggjitchawla1315]

I found this video with 1/2 knowledge. He spoke about HDFC biz black card, however we should know about the eligibility. He only spoke about cards but not about eligibilty which is the most important thing.

[@kamalsinghmehara]

Where is the PDF ?

[@saravr5594]

The biggest drawback of credit card is it slowly change you spending habits. You don't feel pain while spending via card then people spend recklessly

[@SD_003]

4:00 indusind rupay gives 0.7% cashback/valueback. I use it for upi payments

[@gymwalabalak]

Aur airtel axis par 25% or max 250 rupees on reacharge by airtel thanks app 10% or max 250 rupees on utility bill by airtel thanks app aisi aur be condition hai yae kaun batayega mere bhai

[@SUMANDEOGHURIA]

Credit card is a biggest Trap in Indian community, without credit card a middle class person bought a mobile phone of 20k to 30k but when he get a credit card and when bbd sale shows him no cost emi in card plus instant discount he bought 50k phone instead of his budget. Credit card make people spend more than usual. Reward tabhi milega jab kharcha karoge, aur sab reward ko hotel booking main use karoge tabhi aukad ke bahar ka hotel book karoge aur budget se bahar jake kharach karoge last debt trap main fasoge and suicide karoge

[@modellocomotiveworks2215]

बात सही है लेकिन उतने का ही खरीदो जितने का खरीदना है

[@asgaralisiddiqui4047]

Thanks for content sir 😁😄😄😺🙂🐱🐱

[@wowdubai2654]

One should use a credit card with careful monthly planning and have the self-control not to spend more than necessary. If we lack self-control in spending, it's better to use only a debit card. I am getting 2.5% cashback overall, which I am happy with. I pay my credit card bills as soon as I receive my salary and never let the bills become overdue.

[@ProfessorJack_IIM]

Which credit card are you using ? Can you recommend a good card for grocery shopping (Mostly Big Basket and Flikart grocery), Amazon, Flipkart, and Uber. I also want domestic airport lounge access. Preferably a credit card with no or very low annual fees.

[@wowdubai2654]

Hi, I live in dubai.

[@maverickdreamrider5773]

Eye opener, great value content. Could you please share the PDF document in the description as said in the podcast.

[@RajeshAllem8256]

Good information. ! Could not find the PDF. Can you please share it.

[@dr.architghangurde8182]

Know the rules before u play the game!!! Rule 1. Always pay ur cc bill before due date Rule 2. Never forget rule 1

[@ravikirans4878]

You cannot earn 2% with upi through cc for smaller merchants who sell on the road. Only with bigger merchants, you will get them, who will already be accepting cc, which may offer better returns than RuPay cards

[@swarajs9411]

PDF doesn't seem to be included in the comments. Kindly send link to download.

[@DirectDilSe29]

Which card is good for utility bills?

[@souvik9088]

Airtel Axis credit card

[@mayank_deora]

Guys be cautious, you also have to make your income somewhere inline during the year, above a certain limit CC company report it to IT authority and when you file your ITR at year end it displays on your PAN. So if you show your income significantly lower then your CC expense then there are high chances that you will get IT Notice. So beware and dont fall for this traps.

[@Satire-v1c]

If you show your income less than your expense, IT should definitely notice you. Give me your address I'll notify them about you without cc

[@annamalaian0711]

You only need to be worried if you are have black money aka unaccounted money.

[@prabinagrawal5064]

Credit Card jyada use krne se incometax ka issue nhi hoga kya ? AIS me heavy transaction dikhega uska kya ?

[@RajveerSingh-vf7pr]

21:52 PDF kitna neeche hai bhai?

[@saurabhgoswami1989]

What is this tracker?

[@JaskaranSingh-vv1zo]

Hey, How is ICICI Ruby credit cards? I have ICICI coral and Amazon cards. should i take Ruby cards if bank is offering it for lifetime free?

[@ukcoolagarwal]

Credit card never convert amount EMI , then after you have to pay interest @ 42% If you miss any EMI, late penalty is Rs 1300 plus 18%GST It is complete Trap

[@modellocomotiveworks2215]

क्रेडिट कार्ड का मजा तब है जब उतने का ही खरीदो जितना खरीदना है लेकिन क्रेडिट कार्ड की वजह से 30 की जगह 50 हजार की चीज खरीद कर 20000 का डिस्काउंट लेकर अपने आप को समझदार समझना बेवकूफी है

[@AskAmitWadhwa]

How do you carry All the cards with you, when you go out ? 😊

[@sawan005]

please share your excel tracker sheet..

[@lavkushvns]

Auto wale ke account mein jab credit card se jayega to kam jaayega than actual amount you discussed. Thode paison ke liye maar peet karenge kya?

[@nalinbansal3093]

Hats off buddy

[@VedantKulkarni619]

Got the IndusInd rupay card, love it!

[@soumya440]

Sir Can you explain with complete analysis regarding investment nps category 2 i.e hdfc pension fund and normal sip hdfc mutual fund

[@RavinderKumar-t5m]

सर,मैंने पिछले सितम्बर से एक रूपया भी नकद(cash) खर्च नही किया है।सभी खर्चे card और UPI से ।भारत में शायद ऐसा कोई दूसरा व्यक्ति नही होगा।सर,जहाँ Digital payment स्वीकार नही किया जाता, वहाँ से मैं कुछ purchage नही करता हूँ।

[@NEO-bi4bn]

There are 1000s who dont use cash. I have not made cash payments for 2-3 yrs now.

[@RahulKumar-mr7yb]

Sometimes few products you’ll get for cheaper price if you pay cash.

[@Rajkumar00719]

Sab QR code pe nahi hota rupay credit card se payment marchant off karke rakhte hai..

[@atanudas8535]

PDF kaha hai?

[@nirmankalia6775]

Please add the PDF link in description!

[@AnindyaDasraghu]

individual person ki phone pay mein rupay nahi chalta

[@ashkark4056]

PDF kidhr he bhai

[@mayankbansal115]

Bhai abhi abhi baniyagiri me aaya h, Baniyo k blood me day 1 se hota h ye sab

[@user-bu6nn3iu3p]

Good

[@deepakpatel4186]

Bhai you must give best credit card for Middle class...Please reply

[@kingakash5972]

Return on spending (ROS)😂😂

[@PhDLaw]

He is so happy with his cards

[@nakulkundra5779]

Pdf???

[@nit1030]

Ye bhi btao na ki jitni income hai usse kam spend karna hai aur and jitni limit hai uska 30% max spend hota hai for better CIBIL

[@ViralAhaan]

There is no hard and fast rule of 30 percent max expenditure on credit card. That's said so because if you spend more, say 50 or 80 percent, then credit card company thinks that you are living more on credit which may be detrimental to bank if someday you couldn't pay the bill.. . But that is not of much difference if you are paying bill always on time.. I have even used once 60 percent of 460000 of limit to buy my bike.. And didn't make any difference to my CIBIL..

[@kalpeshpanchal7411]

U can track credit card on CRED application

[@NehaChouhan-un7ux]

So how many credit cards to have in total 1 for journey 1 for food 1 for mobile recharge 1 for taxation 1 for online shopping 1 for fuel jitne category utne card , and all cards ke yearly charges bhi use kaaro ya naa karo😅

[@Devilsbrainhacker]

Rupay credit cards work only for Merchant QR not our normal payments

[@bishal96351]

There is a wrong information Tata neu infinity - 1.5% Tata neu plus - 1% Indusind rupay- 0.75% Giving you cashback on upi spend but tata neu have term & condition for getting cashback 😅🤣

[@devendrakatkar9006]

Jo laptop buy kara kya uski zarurat thi yeh bhi question puchna chahiye tha

[@niteshahuja17]

Khayali pulao Jo kabhi sach ni ho sakta

[@imyashchaturvedi]

There are no pdf on discription

[@AnujSharma-oq9nw]

Cashback and cashpoint are synonym???

[@x_man007]

Where is pdf?

[@acskymoonstar1]

Is the fact that it should be how many and not how much credit cards bothering anyone else?

[@neil7915]

Cashback on credit card will be received on the credit card account right? So we can use this cashback only to offset against the next credit card bill.

[@gautama2168]

Use credit card but be ready to pay interest yes it’s beneficial I am using it

[@jaikasanwal5216]

Credit in financial terms means borrowing money. One should not live his/her day today life on credit. Be mindful that it is very difficult to manage/control spending using credit card, bcs that does not reflect your money (your bank balance), and thus you will end up spending beyond your means. Your money actually is what your debit card balance shows, and thus you should spend keeping the debit card balance in mind. Please avoid credit card as much as you can. Thanks. This video actually promotes credit cards, which I as a middle class do not advocate. Please use your own brains and stop falling prey to credit cards.

[@bindasbol12]

Sahi istemal se credit card is very good.

[@seekeroffreedomnature515]

Wrong information given If 30000 is spent 2% k hisab se 600 Whereas the spokesman says 2% of 30000 is 7000 something.

[@pankajtripathi6560]

Bhai 600×12 hai 😅

[@Realworld.9999]

Abrar radhid from jammu kashmir and podcaster hemant are hamshakal

[@saurabhgoswami1989]

Where is pdf?

[@x_man007]

Can anyone name Induslanf Card Tata nue which version?

[@kushsharma9809]

Tata neu infinity offers 1.5 cashback on upi spends too

[@PiyushSharma-gz6pg]

Meximum shopkeepers blocked payment by rupee credit card😰

[@kiranas]

Credit card ahould only be kept with very small expenses which you orherwise would anyways do. Credit cards are good for bad time if you need money urgently

[@siddharthrajput4683]

where is the PDF ?? 😂

[@ADGroupOfArtMedia1]

Managing 31 credit cards Wtf 😂

[@rameshselvam9311]

Chote type ka sabzi wala ya auto driver khudko merchant bolke register nahi karte hein toh wahan UPI mein credit card apply bhi nahi hote hein.Misinformation hein video mein.

[@shaikaslam1994]

Are bhai sale tax Kitna deta hai be income tax bulaun kya

[@Dkmanvi2063]

Jada tar marchent ne credit card UPI sey payment close kra rakha hai

[@gauravkumar-ux2dm]

250 max h axis Airtel recharge p😅

[@korrecttime7815]

Just like any other firld uaing credit card discipline and accountability. I use cards to get free flights and hotel stays and I am surprised people do t k ow this and its even a topic for podcast. Its free i fo already available.

[@thecontrarycontrarian4230]

Which card gives you free flight and hotel stays

[@jk-op3ht]

I am using credit card since 2009

[@CretaJohn]

what is ur credit score

[@maheshc8683]

Provoking check youself

[@liverightdieproud2189]

Bhai, itna dimaag lagane ki aadat nahin hai. Bass dhyan se kharcha karo, status trap mein mat fasso, apne paose ko apni jeb mein rakho.

[@vikasmehta5165]

Bhai cashback only online milta hai per itna need kisko hai jo spends krega aur kisi aur ko spend krne ko doge toh lanka laga dega

[@majortrading2810]

class 9 mai sirf 2 rs milte the

[@supadhyay786]

This will lend you to debt trap, doesn't matter what he says, also, there is no where the Host confirmed whether they verified statement of the speaker to validate what he is saying. Here i'm not asking reader/viewer to avoid using credit cards, its a very good tool. but not for spending for stupid reasons and thinking i will earn more than I spend via rewards. it doesnt work like this in longer run,

[@Drimran4u]

This person is advising peopls to spend more. And ultimately get trapped in debt trapped.

[@aj5180]

He is not advising to spend more. He is telling you to shift your cash spends to credit card.

[@vikasji_]

Credit card companies are spending to guide people to use CC

[@ShaileshNakraniVlogs]

pdf dedo ab

[@Powerinmymind]

1000 rs nahi 1180 rs fees hai cashback card ki , aur ek mahine me 2 lakh kaun kharcha karta hai bhai ?? Kyunki aapka kehna hai ki ek mahine me fees recover ho jayegi aur recover k liye 2 lakh kharcha karna hai per year

[@Omcar22]

You only need to spend 23600 Rs in a month to recover entire 1000+18% Gst

[@varunl2933]

Maths kar bc, 20,000 chahiye bas per month

[@pranav5498]

22:50

[@rijwanjansevakendracscaadh8247]

Kushinagar Uttar Pradesh

[@chaturvediclassesagra]

Jaise Main Ek teacher hun Aur Main Apni profession Mein Chahe jitni bhi energy spend kar lun 15000 se upar Army nahin kar sakta abhi is Samay to ab aap bataiye main Kis Tarah Se energy spend Karun ki meri arning badh Jaaye aur Agar arning Nahin badh sakti to mujhe energy Kahin aur is friend karni padegi ₹ bachane ke liye

[@Baanu-Vaanu]

Payment pe reward cover hi nhi kiye 😂

[@IPP175]

He is spending too much per year bhai... this idea is not fit for all. You will start spending unneccessarly to get points...

[@jaiswarabhishek]

All these things are hypothetical if you start spending like him then you may fall with too much loan n burden