CREDIT CARDS se PAISE AISE KAMATE HAIN! | Ankur Warikoo

[@warikoo]

You can know more about Uni Cards here: bit.ly/UniWarikoo This lifetime-free PayLater card allows you to split every bill into 3 equal parts over 3 months for 0 extra costs. You can pay over 3 months or in 1 - it’s all up to you. And, if you pay everything in 1 month, you earn a flat 1% cashback. Serviceable in 39 cities across India and expanding!

[@___mar]

Slice also gives the same facilities as well

[@shouviksarkar4649]

In the whole video I mostly like the khaby lame gesture 😁😆😜!

[@ajitsaini4503]

Annual fees kitni h sir es card ki???

[@ixrv]

slice or uni card pee videos bnao sir

[@priyanshugoyal2756]

This video makes me think you actually are not concerned about benefit of your viewers but rather just milking them. A lot of issues with such cards not covered and i am pretty sure even you won’t use this card ever. You definitely have way better cards and that are actually credit cards.

[@AbhishekKar]

Hey Ankur, Just wanted to congratulate you on reaching 1 M subscribers! I had already heard a lot about you from some members of Josh and some other fellows too and whatever they have told me about you is truly remarkable. I wish you a lot of luck for future endeavours and may your love for excel and hate for fixed deposits,continue till the end of Kalyug 🙏👍

[@sayanmandal2471]

App yaha ve bhai ay gya 😂😂😂 love from Mars

[@warikoo]

Thanks so much Abhishek

[@Yog_Yatra_With_Rahul]

Love and hate line is amazing 🤣🤣🤣

[@keshavagarwal1538]

Two legend on a same chat ❤️ Collaboration to banta hai sir One interview with warikoo

[@keshavagarwal1538]

@@warikoo ❤️💕💕💕

[@prasantakarmakar3655]

Wow...I never have seen , someone promoting a brand with it's flaws... amazing....very honest person. Thanks a lot sir.

[@vikrammondal9756]

Nice promotion material. One thing we are forgetting in all of this is that this kind of credit card activity increases your spending habits and at the end of the day you would be saving less than before, and it's this savings which is going to make you rich and not spending unnecessarily in the hope of getting a tiny cashback.

[@Aswani648]

U mistanken it it's ur daily expenses not unneseccory expenses

[@mybangaloredays]

He clearly warned about that

[@ashisharora6800]

If you don't use credit card then you are right, but if you are using it then 1% cashback is good. If you cannot control your senses don't ever think of be an investor. Credit card companies come to make changes in your expenses but they are not forcing you, it's you who buy things knowing the credit card trap. Use things wisely and get rewarded rather criticise the marketing fashion

[@aertist5542]

nah. saving doesnt make you rich. Its an illusion.

[@ashisharora6800]

@@aertist5542 explain how

[@yakuza5169]

I'm really sad now because, you are such a great person who is teaching so many valuable things but I'm just a teen now, and when I'll be an adult there won't be anyone to guide me through the difficulties of life. But even then I'm grateful for all the valuable information that I'm currently learning. Thank you for that. 🙏

[@nareshbhailimbachiya3944]

You are not a financial friend sir You are my financial advisor 🙏🙏💯✅

[@FAIZANHUSSAINalig]

Same features are being given by Slice Card, aur slice mein 3 lakh kharch karne pe 2% cashback hai! Ab Nitin ko aur bura lagega😂😂😂

[@shivachakraborty8878]

Slice card ko kaisa milaga. Kitna paisa lagega. Koi link bhejo.

[@mohammadsohail803]

Bhai aap slice kab se use kar rahe ho or kar rahe ho to kya aapki limit badi hai slice ki

[@carryminati640]

@@shivachakraborty8878 bhai me send kro?

[@sourabhmba]

U will get 2% cash back on all transactions in axis bank ACE credit card Its good

[@FAIZANHUSSAINalig]

@@mohammadsohail803 han starting mein 25k thi 3 mahine bad 45k ho gayi

[@ketanahuja8939]

This is not credit card , This is personal loan(a credit line) , take decision wisely.....and with this card u wont be getting offers (ex. 10% instant discount etc .) on big platforms like amazon,flipkart etc

[@tapashnath2287]

You get offer with all this staff in slice card

[@rajprema.6425]

@@tapashnath2287 . Where do v get slice card??

[@duke8324]

@@tapashnath2287 never saw slice card giving you offers on Flipkart or Amazon. The credit cards offers on Flipkart and Amazon are always from mainstream Banks like Icici or HDFC or SBI.

[@RahulRahul-kq6eb]

Uni app ask for all the phone permission, like phone contacts, Google contacts, gallery photos, device location and it can also read my all the messages, in case any one fails to make payment then Uni pays collection team will dial all your contacts and will tell them that please ask him/her to make payment, it is a kind of humiliation. Don't use credit line. Always use bank credit cards.

[@Dabbuluvurikeraavu]

I have used UNI card recently in swiggy for highest discount of 150 off for my order of 600

[@RainaAbin]

So proud of you getting through those harsh times and not forgetting that. Great going sir.

[@privacyadvisor]

Finally The Sponsored Videos are back... I was starting to get worried...

[@paraspareek5599]

Lolol

[@charan775]

why

[@harshitjain7660]

Back?🤔 anytime did he stopped making sponsored video 😑 Soch rha hu main bhi chit fund/mlm scheme khol leta hu inse ek video sponsor krk bnwa dunga... fir paisa hi paisa hoga 😂

[@keeganbarboza207]

So true i stopped putting full trust in him. He is becoming salesman day by day

[@abhyudayshardulsingh5159]

There's nothing wrong in that he is here to make money but he didn't say anything which is factually incorrect and he spend less than 30% of time talking about the product....... I am not here to bring anyone down but just check out CA rachna ranade's video on the same card and you will see the difference....

[@lalitshekhawat02]

Great ... thanks for sharing this @Ankur I'm equally excited as you are and I have applied for the card 😊🙏

[@BossladyShruti]

Me watching this whole video already with my excel sheet open! 😅😇😇

[@vanns3592]

😂😂😂😂 smart move .

[@brandjuggler8927]

You are truthful, genuine. Love your presentation. All the best.

[@yashkohli6029]

I’m a 26 year old guy who started investing after looking at the content that you posted. Thanks a lot, Ankur.

[@tanmaychandra9434]

Man! You are making personal finance exciting and fun. Before knowing about this channel I used to waste free-time in watching web-series and standup but now after going through some of the videos of this channel I am using that free time to watch your content. You are fucking genius, please never stop this great work of financial awareness.

[@sharathnb]

U can make some money using credit cards and actually pay for subscriptions of OTT and continue the web series 😅

[@manikurian4527]

I too do as you said. I have three credit cards and the total spend comes to approx.40000/-vper month. I pay full amount on time in all the cases, which has made my credit rating at 850.

[@gurinderdhiman2949]

Hey, I love the way you explain things. 😁😁I am supercharged. Thanks Man

[@Tridibr]

With due respect sir, there's one thing I would like to clear here. Having a credit of >30% of your credit limit actually decreases your credit score.

[@saiprashanth6744]

Also regulations don't allow you to invest using credits 🥴

[@NareshKumar-mz5nr]

@@saiprashanth6744 his strategy is, you use your salary to invest and spend using credit card, since you get 3 months cost free to pay back your original amount based on type of investment will give returns for free.

[@Dudeinfire99]

I won't really be needing a loan, so credit score is kinda useless for me :/

[@harvindersingh4465]

@@saiprashanth6744 top-up your paytm wallet using credit card then transfer funds wallet to bank.

[@saiprashanth6744]

@@harvindersingh4465 But paying convenience fee or commission is not so exciting.

[@sheldoncharles1561]

Starting early is the best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year's experience, i am able to build a suitable life because I invested early ahead this time. 3 40

[@09redflowerz85]

I urge everyone to start somewhere now no matter how smal, this is literally the time for that, forget material things, don't get tempted,i became more better the moment i realized this.

[@oliviaryan5277]

you're right, but any Investment without a proper guidance and experience is suicidal

[@liamjames3752]

@@oliviaryan5277 Profitable Investment one can do convenantly at this moment are

[@liamjames3752]

@@oliviaryan5277 :Estate :Share Stocks market

[@walkerfred9763]

Forex trading is really profitable, investing in it now will be the wisest thing to do especially with the current rise in bitcoin

[@jasonmathaivarghese8856]

Flipkart Axis Card has 1.5% cashback for every transaction. So the extra money that you make from liquid funds can be directly earned from cashbacks. Also for many other merchants, they have higher cashbacks. Just an FYI. It used to be free in between, but now they charge yearly fees and it does not have the option of splitting the payments into 3. Really enjoy your videos.

[@Spectious]

The way you teach is really brilliant

[@joannebonnett5223]

*POOR MINDSET IMMEDIATELY SEES A SURPLUS AS AN OPPORTUNITY FOR CONSUMPTION RICH MINDSET SEEKS TO SPEND THEIR TIME RESOURCES,AND ENERGY ON WORK THAT CONTINUES TO PAY OFF LONG AFTER THE EFFORT HAS BEEN INVESTED*

[@georgeedward6246]

Despite the economic crisis,this is a Still a good time to invest in stock and Crypto,

[@melissabrockman6397]

The rich spend less and invest more

[@melissabrockman6397]

Investing in these economic crisis will be one of the best thing to do,

[@carlaalpentista413]

You're right I think stock and Crypto are the best to invest right now☺️

[@ashleyulloalafrance2356]

As stock's are good but crypto is better

[@gr0wnup5]

🌟 Remember, Credit Cards are most rewarding when you are Financially Responsible 🌟

[@sleepingwonder]

Ankur thanks for listening to the community .. A key point you missed while considering the cash back amount is you don’t get any reward points unlike a regular credit card . Actual comparison of cost benefit should include the rewards points on a normal credit card vs pay later cards . Another key point although it has no disadvantages is in your credit score this card will reflect as a loan and not as a credit card expense

[@abhyudayshardulsingh5159]

A loan also improves your credit score

[@saurabhgoswami1989]

You are correct. Icici amazonpay and flipkart axis card are better cards.

[@bricedmello5592]

He says, his expenses for a month amts to ₹3,00,000 approx.. Tht wd be ₹36 Lakhs Expenditure P.A. Who is so rich like him.. And if he is so rich, why would he care for even ₹1000 or ₹3000 cashback..

[@Tirthankar17]

@@bricedmello5592 Yeah that's a good point

[@dr.ambadashuchche4609]

@@bricedmello5592 Rich becomes richer by saving more. Saving is earning.

[@Bankniftycommando]

Must say Mind-blowing Content 👍👏👏👏

[@_M_D_M_]

If you have a good track record of paying back your CC bill. Then, you can talk to your bank and raise your credit limit. You should also bargain hard to remove annual fees. Keep your expenses low even with high credit limit. This will benefit your CIBIL score as your Usage% will get lower.

[@purnima29]

First of all it's difficult to get 6% from any liquid fund. At most 3.30% anyone can get. AMC or any broker app generally show the statistics in such a way that people think they will get 6-7% return. That number CAGR value for 3 year duration. Next, as per RBI guidelines you can withdraw 90% of the total investment or 50000(whichever is minimum). So make sure to withdraw the required amount on time, and don't miss out bill payment due to lack to total amount.

[@vigneshwarisrinivasan9226]

Correct.... Also I don't think any mutual fund platform allows you to pay using credit card

[@kaustavsen]

Ankur sir, I was hoping and waiting for you to make this video :) While the concept is nice, to be able to have a 3 months, no cost EMI card, Uni still has quite a long way to go. The 1% cashback, while sounds nice in terms of actual cash being reduced from the bill, if it is considered to be a reward rate, is actually less than the ones offered by other major card companies. The biggest plus point for this card, as of today, is that fuel surcharge is waived off, irrespective of the vendor, hence, there it shines. No surcharge plus the 1% off, otherwise, there is still a huge scope of improvement. This card is best for people who want to build up a credit score or are quite new to the credit card game. Your videos are informative and honest. Thank you :) Regards.

[@ankitaaggarwal4352]

Wwaahhhhhh sir, the way you engaged us in the video.. it was amazing... informative video was also humourous. 😄😄😃😃😃

[@joaquimmenezes7396]

Amazing as always .

[@stuffelturli7215]

Amazing video! If you don't find a means of multiplying your money, you will wake up one day to realise that the money you thought you have has finished. Investment is key..

[@nashobamisae2879]

I strongly agree with you mate. Investment is the key to sustaining our financial longevity, and not just any investment but an investment with guaranteed return.

[@tochoquana6816]

To earn more you are required to have a multiple diversified stream of income, which is why investment is an avenue of making more money once it's profitable.

[@ivanwilson6443]

Crypto currency is one strong means people are raising their financial status now, so when you think investment I recommend you make it an option.

[@kryanira5627]

Crypto investment requires good experience and knowledge to carry out good and successful trade. because I have actually lost a lot trying to trade all by myself.

[@vagaspope3812]

It's professionally recommended to trade your coins with experience brokers, who can help grow your coins while assisting you learn the trade.

[@ivinitmittal]

Hey, could you get this cleared from Nitin, I've heard that UNI Card is actually a Credit Line from a NBFC they've tied up with, soo basically a unsecured personal loan, which I've heard is a disaster for your credit score?? 😅

[@buzzfeedRED]

Slice is more better than this.

[@privacyadvisor]

This is a sponsored video... believing everything in it is credit risk..

[@SachinS-sf2vm]

Very true

[@chaitanyabingumalla8045]

That a very importing thing to know and consider before using this card.... But what is we are using this card and paying the whole month bill on the 1st due date.... That way isn't it similar to any other card usage and also we are getting 1% discount on the total bill amount for the month

[@charan775]

your credit score will be impacted in any card if you miss your due date not just this one. so pay bills on time

[@az220584]

Hatsoff Ankur....showed your experience in credit card..I can see the pain...while you speak...

[@thevenuskothari4484]

Thank you! For sharing such a valuable information sir 🤗♥️ would surely implement it. One of the greatest tip I would like to give to people, which i do it for myself since i started using credit card- I have opened a separate bank account for keeping my credit card expenses, so whenever i purchase something/ pay bills through it, i move that amount into that bank account instantly, so at the end of the day my picture is clear with the funds i have available for running my month. Trust me, you guyz would never fall in trap.

[@champions7954]

What if you move weekly expenses to liquid fund?

[@bollywoodstudio001]

👍👍👍

[@vikrampremkumar-kp6967]

Good plan, but instead of moving to another SB a/c, if it is moved to a liquid fund, may be returns might be more.

[@thevenuskothari4484]

Definitely one can move it to a liquid fund, but it should not be done without the proper knowledge of investment.

[@willardharper8038]

I almost burned my account trying to use complicated scalping strategies. with this one I am halfway in regaining my lost capital. can this strategy be used in direct execution order or only in buy/sell stops? I need advise. thanks.

[@grovelucas930]

learn to get the full knowledge first before investing or get an expert to handle it for you

[@grovelucas930]

There will always be market fluctuations, you just have to be prepared for it.

[@grovelucas930]

I'm not good doing it alone but getting into the market has been my best decision so far in my road to financial independence as it turns out lucrative for me.

[@averystevens1880]

Exactly.....nice words. I agree with you

[@averystevens1880]

My utmost goal is $3million and a few passive income sources for sustainability.

[@sravankumar7902]

Hi Ankur sir If we use 100% of our credit limit then it will affect credit utilisation factor So without affecting credit utilisation factor we have to pay before the due date atleast 70% of limit, means we have only 29 days to count interest Not 45 days

[@navijagtap5451]

Hii

[@sabka_rajvir]

Yes, we should only use 30% of the credit limit.

[@DigitechSam]

@@sabka_rajvir exactly! Never go beyond 30% limit. In my case, I reduced the spend limit to 30% in the ICICI app.

[@FayazKhan-pv3ls]

Bohot Bohot shukariya sr aapka ...alert karne ke liye ...Very very Thanks

[@edward7194]

INVESTING MAKE UP THE TOP-NOTCH HEMISPHERE OF WEALTH, THAT IS MORE REASON ONE SHOULD SAVE AND INVEST TO SECURE MORE PROFIT AND ENSURE SUCCESS

[@joshson3258]

now am making benefits from it...

[@hongjong8017]

Mr Albert has changed my financial status for the best all thanks to my aunty who introduced him to me.

[@felixleach6340]

Who's this professional everyone is talking about I always see him post on top comment on every KZbin video watched

[@williamioannis4948]

I think I'm interested how can I get in touch with Mr Albert Renshu

[@Shirley-qn3un]

I think I'm interested how can I get in touch with Mr Albert Renshu

[@harshil338]

*Ankur gaining trust and respect of his audience by making genuine videos. Ankur now makes a shitty sponsored video: IT"S TIME TIME TO DETSROY MY REPUATTION !!

[@pankajdighe007]

1% cashback kabtak denge, baad me to lutenge hi. Not expected this from ankur. Not mentioning annual fees n hidden charges

[@harshitjain7660]

Seriously ... The vidoe title should be how I made 10-15lakhs by making a paid video 😂

[@keeganbarboza207]

So true i stopped putting full trust in him. He is becoming salesman day by day

[@mithleshpal9415]

@@harshitjain7660 😁😁😁

[@yashpuranik1345]

@Wàrłkoo Ae tu ja reey

[@HrishikeshPrabhavalkar]

This was true earlier Ankur, nowadays the Liquid MFs ir overnight funds give somewhere around 3 to 4%

[@BarkaDog]

That's because the bond yields have gone down. They will go up again soon.

[@HrishikeshPrabhavalkar]

@@BarkaDog Exactly...

[@gouravmittal2647]

And also we can't transfer funds in free from credit card to mutual fund account there are charges around 2 to 3 percent which makes it more costly to do it

[@kishanr3142]

Does a 3% return on liquid MFs are consistent on monthly basis?

[@karanthakkar756]

@@gouravmittal2647 he didn't mentioned that transfer funds from CC to MF he said if you have that money ! means either in bank or cash etc

[@pravinkaware8083]

LOVE THE WAY YOU EXPLAIN... AAP AS A TEACHER MIL JATE TO LIFE BAN JATI...THANKS.

[@shlokgupta9353]

Ankur Sir, thankyou so much for sharing with us the tricks of the trade. One point that I wanted to add is that uni is not doing anything new by giving 1%, all cards do that in form of reward points. I come here for unbiased advice. I think you're acting so amazed by this cashback scheme only to help out your friend and promote uni. Promoting and helping is fine but people really trust you and you've built a really strong fan following. Don't ruin it.

[@avikde9631]

han infact isse achcha slice hai which gives you upto 2% on spends after 5 lakh spends (starts with 1 % and goes till 2%) , however credit card ka bill kiska har mahine 3 lakh hoga lol.

[@RaviPrakash-qj2lz]

Hi Ankur! You haven't considered the 2-3% charge when you move money from CC to Bank Account. Also there is no direct way to put in Zerodha or other wallets from CC as it's not allowed by regulations. Please consider that as well.

[@santoshkumarpatra200]

Sir very brave of you to share such personal traumatising experience of credit cards with your parents

[@grbt7]

The way u r explaining things is truly Amazing...

[@kayoslarock3532]

Thank you so much for this informative video it has helped me greatly. Most time people don't know where to start when it comes to investment. But great investors can provide proper guidance...

[@bruceytran4377]

Exactly! You're on point👌

[@jivanagboubi5617]

After watching several KZbin tutorial videos about trading, I still making losses. Please I will appreciate any tips or pointer

[@erikmabry2591]

Successful trading requires basic knowledge most time and good experience to carry out the right investment plan

[@edlermark6174]

I appreciate the honest sentiment. I realized that I had to change something about my trades, and how I chose my strikes, after a loss. I went back and learned from each mistake properly always understanding how the loss occurred & how I could have avoided the bite

[@malgorzatanosal9364]

Absolutely! Also, it's never been that easy and cost-efficient to actually invest. What a great time we are in!!

[@pritamdas7462]

Uni & slice cards apke CIBIL per 2 credit line open kadte hain jo 2 loan lene ki barabar hota hain.. card wase accha hain likin aap nehi cahenge ki be matlab aapke CIBIL par load add ho.. I personally don't recommend this cards...

[@pallabbiswas2726]

Is there any annual fee ?

[@pritamdas7462]

@@pallabbiswas2726 no sir

[@sudheesh89]

CIBIL hota hai...

[@250taz]

I use it.. yes if you do not require..donot use it.. it comes in your cibil

[@AkshayKadian]

@Pritam Das If i pay my credit in one go, will it still be effecting my cibil score?

[@abhishekagarwal4491]

Omg.. 😂😂😂😂😂😂 that kabelame move u did was so unexpected.. jaise hi aapne wo move kara main to bilkul ho rakchas ki tarah hass pada.. 😂😂😂😂

[@hrideshmalla824]

Ooooooo boys😂🤣😅

[@aditya.sharma]

*Khaby Lame

[@shauryagaming2794]

Pagal hai kya

[@amiralikhan8168]

​@@aditya.sharma thanks abhi samjah me aagaya😂

[@junkingjunking8477]

Mast add kiya re baaba, UNI card ka ;-)

[@anwesharry]

I had actually calculated my credit’s annual interest. It was 52% pa. Shocking!!!

[@riteshbhatnagar4834]

Just a correction Ankur, banks hiked their credit card interest rates upto 52% p.a since the second wave of COVID wave hit India.

[@warikoo]

Wow. Didn’t realize that!

[@ahireshashi]

​@@warikooHi 1 point is missing. How we get money from uni card. Type of transaction? Do we buy things in every month?

[@thunderbeast9831]

yup

[@be_independent1329]

SIR, you are doing great things in a great way, I love ❤️ Your Presentation style 💜. Mind-blowing, super simple and creative. I salute You Sir 💜❤️

[@coolguy298]

He is selling you a crap service! You're a nube.

[@saigopivadlaputi5086]

He have good acting skills better than the movie artist

[@Revelation785]

Mind blowing Ankur 🔥

[@sheejaeldo9311]

Thank you for being very genuine in creating awareness among us about finance.

[@Indianculturalprotector---]

@Warikoo +①③⓪④②⓪②③⑤③③ I lost respect to some extent after reading title about this video and watching it. Matlab sir kuch bhi??

[@satyampandey9472]

I have faced the same situation when my father got stuck in credit card web. He took the loan for his friend but his friend ran away and all came to my father. Bank persons used to come to our home, it was really a embarassement but now everything is changed. I can understand Ankur sir feeling that how it feels when somebody come to your home, say whatever they want in loud voice and everybody watches u getting insulted and they laugh at u.

[@bhushanpujari4950]

💖💖💖💖💖

[@firefly6630]

Bura na maano bhai tumhare papa buddhu h or may be the.😂😂

[@MrMegabored]

Uni card's aren't credit cards though, right? I heard other youtubers talk about them as a personal credit line, not a card that adds to a credit score. Because then no matter how much cash back I get, not having credit card points (to convert to flight miles, add to credit score, etc) may not be the ideal way ahead?. Could you confirm?

[@MrMegabored]

@@souravas Yup. That's my thought as well. Don't know why this is clubbed into a credit card video then :P

[@sahiljain3187]

You're right. It's a credit line in the eyes of rating agencies and not a credit card. Makes a lot of difference, clearly the video is sponsored since Liquid MF assumptions are also biased to support the claim. So don't get into this if you already have a credit card.

[@arkakundu225]

@@souravas are the Flipkart and Amazon credit cards free?

[@ViralPills]

@@souravas Indeed Axis Flipkart card is far more rewarding than UNI. The only thing which guess is with other credit cards too that for EMI conversion it starts with 6 months and not 3 if you convert it later after spending the amount.

[@TheAkshayBhagat]

Uni card is not credit card. It is credit line Or you can say PayLater just like Paytm, Ola, Flipkart, etc. But it works similar as Credit Card. Isse accha Credit Card lelo

[@chouhanchanakya]

I love this person. Very nicely explained.

[@DayInLifeFinance]

Thanks for creating this helpful content. However there are better options in terms of cards (such as Axis Ace which has a 2% CB rate). Another good option is using NPS Tier 2 which allows investment through credit cards.

[@rajprema.6425]

Thanks dea. Whr can v get these axis ace cards. I mean how to oersonally apply for them..

[@sagarshimpi7578]

How we can use credit card for buy mutual funds

[@visionaryafall]

@@sagarshimpi7578 Not allowed. Only actual money that you have is allowed to be invested in MFs.

[@prosolutions6174]

this video is for making money without any risk instead of investing

[@garykhurana20100]

Credit card to bank transfer 2% mein waise bhi ho jata hai....any amount

[@evergreen7781]

Those expressions, passion for the explanation with the love of Excel sheets ❤️❤️❤️ Ankur Warikoo : The Financial Guru of India 🏆

[@RelaxingVideo-ro5bl]

ZDNZ9047

[@ld3244]

Loved this video ❤️ haven't seen such an authentic self person, much respect to you Sir🙌

[@utsavseth6573]

Very genuine guy. Great advice about the credit card. It really is a trap if you are not careful. I had also fallen into that trap when I was a college student, I use to convert my monthly transactions into emi payments, which usually charged 18 percent per annum. My father had to intervene and pull me out of that trap. An advice to everyone reading this comment, please use credit card wisely. Its a very lucrative trap.

[@pallavishanbhag9802]

Mr Warikoo ..you are a blessing in disguise for all the youth and millennials, interpretation and explanation is simplistic and easy to understand..keep up the good work..Thanks

[@jaikumarsivalingam]

Hello Ankur, Thanks, for the video! I have a question regarding investing in a liquid mutual fund. Is there a possibility where a liquid fund's current value could go down just like stocks? The reason for asking you this question is because I had invested in a liquid fund where the current value is down by .5%. Thanks in advance.

[@yuvaraj2358]

Hi Ankur Sir, i also have the same above query. And also could you please give quick info on the process of investing in liquid MF (I have never done before.. First time 😊

[@munnirharuna2279]

Hello what is the best way to get started with bitcoin investment or Forex trade cos I have been making my personal research for a while now

[@tinawright6750]

As a beginner who don't understand how bitcoin trade really work and you really want to make profit from it, I will advise you to first start working with a professional broker

[@kendobest2651]

That is true you need an expert broker an account manager to make good profit from bitcoin trade

[@guccimary3427]

How can someone know a professional account manager at least trustworthy when legit ones are hard to find these days

[@ausahmanason3129]

My first investment with expert mister Nicholas Barron give me a profit of $13,500 and ever since then he has has the most reliable sincere broker I know

[@alhassansuleiman1272]

I can't believe I was able to have $30000 worth of Bitcoin in just one month and half of trading with expert Mr Nicholas Barron trading services. Come across some nice comments about him on KZbin and I give it a shot. I don't believe in Bitcoin before

[@flight3624]

Great sir, apko charan sparsh guruji 🙏🙏🙏🙏🙏🙏🙏🙏

[@russellfernandez57]

As someone who works in finance, discovering this low risk arbitrage just blows my mind. Good job mate :)

[@Bireshprema]

I can’t stop thinking about the irony and insanity of Elon Musk becoming the richest person in the world why they individual who has spent $20billon.

[@sidneyjackson3655]

Prince of Brunei’s spent it all maybe he would have been among the rich if he invested his money

[@lucymartin881]

No amount of money can certify Elon Musk. I’ll say he needed more that’s why he is investing on Bitcoins. Investing over 1.5 billion dollars.

[@junerolfson2435]

I wanted to trade cypto but got confused with the fluctuations of price

[@hauwaahmad9606]

Her success stories are everywhere …she has really made a good name for herself.

[@siluvaine4370]

@Rebecca flores You are on the right track

[@gouravlogs5445]

Can't wait to see 1M subscribers🤩 Warikoo sir, started watching when you had 129k subscribers 😀, had a great journey with you sir🤩❤

[@mysteryrider8436]

@Wàrłkoo fake account

[@smilelora]

Hi Ankur! Subscribed! I appreciate your knowledge, simplicity, friendliness and genuiness. Learnt something new. Thanks.

[@IshaMBS]

You are my Investment Big brother! You make things appear so simpler by the way you explain! You have lot of positive energy brother!

[@helensteve2817]

*I will forever be in-depted to you 😇 you've changed my life I'll continue to preach about your name for the world to hear* *you've saved me from a huge financial debt with just little investment. Thanks Mia Frank*

[@hanshewanfred5244]

The best strategy to assure profits is investing with a professional trader who understand the market quite well

[@katrinanumez2583]

Investing in cryptocurrency helps alots when you have a trustworthy broker I make $15,000 in 4days Mia Frank is real.

[@annifred2159]

I have tried lots of traders but non is as genuine as Mia Frank

[@katejoham9134]

I don’t know about Investment and it’s strategies, how do i reach Mia Frank?

[@jannetjohnson581]

Wow! I'm so surprised to see someone here who knows Mia Frank.

[@_M_D_M_]

Hi Ankur. The CC bills also carry GST with them. Is that not adding to overall costs slightly?

[@minisonawane763]

This video made me subscribe your channel....Guru tussi cha gaye! Too good

[@mrinal.mayank]

Sir I liked the idea of investing the amount which I will be paying for my credit card bill. Liquid Funds seem to be a very good option for this. Please make a detailed video for selecting the best liquid Funds with average return but short term withdrawal option.

[@champions7954]

Mrinal May I know why liquid not short term?

[@mayuram4]

Hi Ankur, why do you discourage car loan? Any alternative you'd suggest? Thanks.

[@sohamchakravarty472]

Great content. Congrats on your 1M subscriber. Quick question. Which Liquid MF gives 6% in 30 days?

[@upendratripathi6562]

Mr Ankoor explained nicely major benefits of CRED. It's help all people of society

[@adityams1659]

* tells its friends startup * now eats into his potential profits XD

[@keeganbarboza207]

So true i stopped putting full trust in him. He is becoming salesman day by day

[@surajtadge1590]

Sir, my simple question is, how we can use this UNI card to purchase mutual funds?

[@jaipurtoastmaster9886]

Same mine also 😂😂

[@Ash-jh3gh]

You cannot. You can only use debit, upi or NetBanking

[@avinashjeeva723]

Looks like we cannot buy mutual funds using credit cards

[@soniivivek5]

Question: Zerodha doesn't allow adding funds using a credit card. Which provider does that?

[@rakeshlal378]

No one.

[@hrishikesh07m]

No one. You only purchase and pay bills with credit card, not invest or withdrawal (highly charged)

[@goelritik862]

In nps

[@rakeshlal378]

@@goelritik862 ??

[@rinky1000]

🤣😂🤣😂 Great information and such fun way of giving that info. Showmanship is outstanding 👏 👌

[@pratishtha2486]

Please make a video on IPOs. Love your content! 💫

[@AryanSingh-ru9nn]

Already made...🙌

[@AryanSingh-ru9nn]

Not on his channel but u can check... Pushkar Thakur channel... basically he is making stock market videos since 2-3 months...In that he told about IPOs...it will help u..🙌

[@infinityoops7124]

What if credit card itself provides cashback of 1-1.5% cashback.. do we still need the uni card then..?

[@chaitanyabingumalla8045]

No you need not... But there is a small difference... In regular credit cards all the Cashbacks that you earn in the current billing cycle get credited to the card during the next billing date... But in uni pay card you need not pay the total doesn't amount...there will be 1% discount when you are paying the whole due as per the current month statement

[@abhyudayshardulsingh5159]

@@chaitanyabingumalla8045 But again other cards eg flipkart cashback give 5% on their site..... So overall reward rate is more than 1% Further it's not like someone is going to stop using the card from next month onwards so it makes really a very small

[@chaitanyabingumalla8045]

@@abhyudayshardulsingh5159 Yeah so wherever you can get that extra Cashback you can use those cards there or just keep using those cards. But I observed that Flipkart axis or Amazon pay icici cards do not give more credit limit unless you have a bank account in those banks( just an observation). So this card can be used in such cases.

[@abhyudayshardulsingh5159]

@@chaitanyabingumalla8045 makes sense.... But apart from this 1% there is not much in this card 1/3 I would say is a marketing gimmick to make you spend more...but anyways no harm in having one

[@chaitanyabingumalla8045]

@@abhyudayshardulsingh5159 It would be helpful to some people as it is providing 3 month no cost emi. But anyways if someone doesn't want to pay using emi there are always better cards available

[@ImTheShrey]

Hey Ankur there big catch that you probably missed? Their website mentions: "Choose to pay in full, POST the 30 days free credit period & enjoy 1% rewards in the form of cashback." So one would be eligible for cashback if he pays after credit free period, so that attracts 3-3.5% / month interest. So effectively you will loose 2-2.5%. You please need to update your video as soon as possible.

[@rajeevr5509]

I think that comes under the part if one goes for the minimum due/ emi option, not sure about this but just my thought..

[@newinvestor5470]

Nope! You're confused. All credit cards have a billing cycle of 30 days. Then you get 20 days time to pay off the bill. Which means 50 days interest free credit period. If you pay in full after 30 days and before 50 days, no charges at all. If only you don't pay the full due amount after the 50 days' time, you're charged interest. But, Uni card allows us to pay 1/3 of the bill amount instead of the entire bill at zero interest!

[@EveryPaisaMatters]

Nopes.

[@TejenderPrasad]

Good one man ! I had to go through similar experience in my early twenties, but its never too late to learn :) Thanks for the video :)

[@bhautikpatoliya2649]

Hello Sir, I am always thankful for your informative and Second side vision of any financial matter. It's helping me. I want to ask one simple question that Sir, have you possessed Axis Ace credit card? If you will use that for monthly spend of 3,00,000 Rs., than card it self will give cashback of min.6,000 Rs. and that is 72,000 Rs. in a year. Also, on top of that 72k, one can add liquid mutual fund profit and also add some more money if credit card bill will be paid by CRED. THIS INFORMATION IS ONLY FOR KNOWLEDGE. CROSS CHECK BEFORE APPLYING.

[@utkarshgupta7912]

How to add liquid mutual fund profit , dint get this point . Please explain

[@nehaprabhu]

Doesn’t this effect our credit score ? I have read that to maintain a good credit score we have to utilise only 10-30% of our credit limit which obviously won’t be a huge amount

[@AryanSingh-ru9nn]

I don't think so....🤔but I am not sure also...

[@amolkadam346]

Yes your correct if you use your cc limit more than 60% than your credit score will reduce by 10 to 20 points ...

[@AryanSingh-ru9nn]

@@amolkadam346 cc limit mtlb?

[@AryanSingh-ru9nn]

@@amolkadam346 ek fixed amount tk hi use kr skthe hai kya cc se?

[@amolkadam346]

Matlb aapke ke credit card ki limit. (Bank ek limit deti hai credit card ko ye limit apke ke income par decide hoti hai )

[@InvestIQ_shorts]

First time i am watching your video sir and i am very impressed to you sir one heart from my heart❤

[@cnailwal666]

Hello Sir, appreciate your videos and knowledge. Quick question: How is Uni card different from RBL Bajaj Credit card?

[@mukundmittal]

Kaun sa Liquid Fund aaj ke time pe 6% p.a. de raha hai? 4% bhi mil jaaye to badi baat hai. RBI rates itne kam hai ki ab Short Term and Ultra Short Term funds me invest karne se kuchh nahi milega. Inse zyaada to kuchh banks ke savings account ke interest rates hai. Mai Cred Mint and Trade Cred use kar raha higher returns paane ke liye. Thoda zyaada risky hai, par paisa better returns to deta hi hai. 9-11% mil hi jaata hai.

[@akshayakumarsatapathy5833]

Minimum investment in cred mint and trade cred???

[@Bikram0805]

9-11% per year or month?

[@sharifcomments]

Hi Sir, I really admire your views on financial instruments and how you generalize things for your viewers. I recently heard about Fi money debit card, can you review that and make a video, in your style. That would be really helpful. Lot of scope to play excel...excel ... here... 😉

[@soumyabiswas8]

I hv . Not fruitful that much

[@vbv454]

Well done mate for fraternal advice by sharing your own family experience. Keep up the good job. Wish you great success.

[@DP-mo9gi]

Sir, aapne ye kyu bola ke, car ke liye loan mt lena?

[@pikachu4137]

it's liability so if you have enough money then buy

[@Money4india]

Hi

[@DP-mo9gi]

hello

[@Money4india]

@@DP-mo9gi yes pls tell

[@NageshPattanshetty]

Interest rates are high

[@मृत्युंजय-य3छ]

3.01 this is my condition now, bank gave credit card 2 year back to my father and now we are in dept trap.

[@harishah2108]

When we pay for MF on the order value we are charged a certain% processing fee, this also creates an impact? Kindly advise

[@hrishikesh07m]

Do direct MF

[@vikasgupta3782]

@@hrishikesh07m Direct MF....?

[@hildapinto5669]

I just love this guy. He is like me. I made a lot lot of money from my credit cards. You just need to play it well. Through these points I travelled US n Canada for free. And through lounge access, I ate n drank for free at the international airport lounges. I just love it. But if you don’t have money then one should not use these credit cards.

[@mohammadarshi7302]

Nice informative video sir . But what about these cards (slice/uni) being a credit line instead of credit cards . I have heard they impact your credit scores in a bad way . What's your take on this ?

[@truptipagad914]

u r just awesome.....so full of energy

[@luckylovedonald]

Hi Ankur, As usual, solid content. Wanted to highlight that when you will pay all of your 3 Lk in one go in first month itself to avail that 1% cashback ,then the theory of putting your capital in MF does not hold valid and total saving will be Rs 36000 ( 3000*12) not Rs 54000 ( |3000+1500|*12) Am I making a point here, Ankur?

[@duurmusic]

You'll be making the full payment with next month's salary as the period for payment is 45 days. The previous month's salary is what you'll be investing in Liquid funds. His calculations are right.

[@geetpushp]

I have been using credit card wisely since 15 years and I have earned extra free money + points. Good to see someone great aligning with your methods of money management