Don’t Make These 8 Mistakes with Your Credit Card || How to use a Credit Card?

[@mayurmelge6247]

reward point is worst, cashback is best, directly credited into card. i will prefer cashback credit card instead of reward points.

[@Vikashkumar-sc8sp]

So What u think about upcoming SBI cashback credit card??

[@Faraz-cse]

@@Vikashkumar-sc8sp card is good, but annual fee is high and limit is also more like spendings 2 lakh online shopping (offline transactions don't count). So I would suggest to go only if you can spend above 1 lakh, that way you could already earn cashback of above 1000, so paying back a little won't hurt that much.

[@avkrm]

Stop classifying everything into “best” and “worst”. Just because something works for you doesn’t mean it will work for someone else.

[@anweshjami6427]

Quick Summary of the video with some answers for mistakes 8 MISTAKES WE SHOULD AVOID 1) Paying annual fees without negotiating ( not 100% fees can be reduced but possible) 2) Not Increasing credit limit 3) Not asking for upgraded cards after 1-2 years. 4) Not using your reward points. 5) Paying minimum bill is not advised (pay complete bill) 6) Closing your old card - don't do that if you take new card try to contact bank and get it as lifetime free. 7) Over utilizing(morethan 30%) / under utlizing (not using at all) credit limit (Use it between 1-30%) 8) Applying for too many credit cards.

[@DesiChhore]

What did you forget to add: 1.Never take loan on your credit card. 2. Don't keep too much credit card. 3.Pay bill with individual bank app not like cred or Paytm they delay in deposit sometimes . 4.Use various tricks to withdraw money from credit card but don't be careless in safety. 5.dont give your credit card details on unsafe websites Welcome 🤗

[@krishnaSagar69]

I closed my oldest account from which I actually got credit cards later and my credit score got built. That was something I did not knew at that time, but now I'm actively using my other accounts and my cibil score is increasing. One more thing, I would add is if you are applying for a credit card, makes sure you have a job or a good bank statement. Because once your application is rejected, you can't really get that card for a long time. So before applying make enough transcations in your account. (for people who dont have a job)

[@referralcode6566]

Hi guys apako cred ka referal code chahiye to to is link ko open karo kzbin.info/www/bejne/bqeVlHR8YtCBnNE

[@prsnm351]

Thank you ma'am, your videos are so informative, engaging and to the point.

[@akp19_youtube]

Good guidance to us about credit card.Your knowledge about credit card is better.😀👍

[@Faraz-cse]

The wierd mistake I made 1st time is paid back before bill was generated. SBI declined to remove annual fee. and said this is the small portion of expenses that this put on the customers for maintaining annual fee. Also I have around 800 reward points, but SBI simply click Only allow redeeming after 2000 points. So better get SBI cashback credit card to get it automatically redeemed every month in savings account.

[@Nextgentrick]

Can you explain in detail pls about removing annual fees

[@Faraz-cse]

@@Nextgentrick They don't remove annual fee. So it's better to get lifetime free credit card initially and when your financial status improve and you are earning more than 10 LPA, then go for these higher charges credit cards. Get Amazon pay credit card, ICICI platinum credit card, Axis My Zone credit card, and other banks lifetime free credit card.

[@yyou6305]

I WOULD CHNAGE MY BANK....I HATE SBI

[@shreyas_india]

One question if you pay credit card bill before bill generation would you get the reward points associated with the amount of the bill?

[@Faraz-cse]

@@shreyas_india Did not get any reward points in Simply click card. Even Amazon pay credit card, you get after bill generation. But in Cashback credit card, cashback details are available before bill generated, so I think no problem in this card, but can't guarantee that. You should always pay after bill generation.

[@sidharthsinghsumbria5820]

I am new to credit card . The last mistake is what i have made. I have HDFC bank IOCL Credit card just 2 months back, and i have applied for many others like Axis, IDFC bank etc

[@404notf8und]

Galti kr dia😂cibill down hoga ab

[@saurabh6747]

Don't worry cibil score will only fall by 3-4 points. Applying for a new loan or credit card will have a low impact on credit score, Timely payment & credit utilisation have High impact on credit score.

[@referralcode6566]

Hi guys apako cred ka referal code chahiye to to is link ko open karo kzbin.info/www/bejne/bqeVlHR8YtCBnNE

[@Manoj_8844]

@@saurabh6747 correct !

[@Manoj_8844]

Multiple cards apply karne se kuchh nahi hota ..mamooli girega 2-4 points

[@casemiro-sq7bs]

Last point really appealed me. Having too many credit cards

[@Creator_Souvik]

Mam, you should not have done the advertisement of OctaFX

[@timstring0902]

Very helpful tips 👍🏻, thanks🙏🏻

[@santanu29]

I over utilized my credit card this month (45k on 50k limit). I can pay it off, and that is not a problem. I thought using credit card more increases credit score, but I think it is not the case. I will be using it with under 30% utilization from next month onwards. Thank you for highlighting these mistakes.

[@abhisekhdas0003]

Yes 30% utilisation of limit , increases the credit score.😊

[@prasannavenkatesh8674]

I am not sure about the thing i am gonna tell, but i heard from a youtuber that: If u have used more than 30% of the limit in the month(lets say u used 90% of the limit as per this case) from the credit card, and u have sufficient amount u used with you after some days(within the credit cycle which is the 30 days cycle). You have an option to payback the credit card bill on the settlement day, which is 20 days before the due date. There are 2 dates, i) due date, which is like 50 days from the start date. ii) settlement date, which is ideally 20 days before due date. after the settlement date, the credit card company/bank, records ur utilization limit of that month and then sends to authorities who calculate your CIBIL score. So if u pay the amount u have used, which is 90%(the amount u utilised) - 30%(ideal utilisation limit) = 60%. If u pay this 60% before settlement date, your CIBIL score wont be affected. PS: Im not super sure of it as I am also in a journey of learning about credit, It would be nice if someone confirms.

[@abhisekhdas0003]

@@prasannavenkatesh8674 Yeah, It's true, this method works but not suitable for everyone, those who are highly emotionally disciplined these is a good option.

[@shreyshrivastava8551]

SBI refused to upgrade my credit card. I have been using SimplySave card for past 4yrs. And my annual expenses are beyond the threshold of renewal fees reversal. They don't even talk to the customers properly.

[@Hyper_killer07]

Card close karne ka request dalo phir unka call ayega usme discussion kar lo

[@vedprakashyadav91827]

My big mistake is.... Applying for too many cards frequently 😭

[@nirajvishwakarma9776]

Mine too

[@mostpopular9035]

Advance congrats for 1 million

[@mohdanassheikh2096]

Good and genuine suggestions 👍 much appreciated 💐

[@ammuishu4767]

congratulations for 1 million

[@MI-gr6lg]

Red one is the cutest

[@rajbappistadio9629]

Congratulations 1M

[@arhamtopgamingvlog2023]

Accha Hua Bata Diya Har Bank Se Credit card Hum Log Applykarte Hain AB PAta Chala

[@119keyur]

You can add a suggestion for multi card owners to bring their billing cycle aligned nearby or on same date which reduces chances of missing a payment!

[@WolfieHunk]

I watch your videos jss to watch you...i found you soo cute🥺♥️

[@manikanand7068]

Thnq u.. i really appreciate your advice

[@RAHULSINGH-mj4rd]

Behtereen nice advice thnx 😮

[@samarjitgharge1088]

Close to 1 million

[@pooran594]

Thank you for this information mam 🥰💕

[@yyou6305]

My mistake ..stop using banks that doesn't fulfill my requirements and keeps changing offers....NOW I STOP USING THISE BANKS...

[@dearshivam]

Amex Rewards does not wave off annual fees....unless minimum annual expense is met

[@referralcode6566]

Hi guys apako cred ka referal code chahiye to to is link ko open karo kzbin.info/www/bejne/bqeVlHR8YtCBnNE

[@manasgain]

Same is with SBI simplyclick also😒

[@sintukumarsingh3519]

Informative channel 👍

[@Devendra34811]

Are ye fake trading apps ka pramotion karti hai jhuthi hai ek number ki

[@mdamjad1170]

Thank you maidam 👍🏻

[@harshshandilya3402]

Please make a video on the credit card control center. How to safe guard our credit cards

[@kumarkrish5099]

Recently watched couple of videos noticed that your are cute 😊 and reactions are next level on shorts

[@bhushanvlogs1622]

Good information

[@lessonlog3052]

After watching your video I have waive my annual fees Thanks

[@harminderkaur4093]

Upgrade your card.... will it b done on the same card or will they issue a new card?

[@DeepakKGangwar]

Both, depending on the bank

[@review7779]

SHE WILL BE MISSED ❤️❤️

[@sonupasare349]

Congratulations 🥳 Di for 1M subscribers

[@gangajamunaitwari]

Mam aap mi video dhek kar fan ho gaya aap ka

[@aniketnimase5050]

Swiggy hdfc vs Amazon icici Please make a comparison on this. Thank You!

[@financially_beast8696]

Nice 👍👏😊 ताईसाहेब ❤✨

[@referralcode6566]

Hi guys apako cred ka referal code chahiye to to is link ko open karo kzbin.info/www/bejne/bqeVlHR8YtCBnNE

[@mrperfectgaurav]

Last week, I applied too many credit cards from different banks

[@dmeena92]

SBI new cash back credit card best among all definitely a game changer

[@Hamsterkombatkeysupdates]

Superb

[@satyanarayandas1158]

अति सुंदर धन्यवाद मैम।

[@dilipagarwal5554]

very nice video.

[@iamamityadav]

Humare pass n to credit card hai na isse matalb lekin phir bhi tumhe sunne ate very attractive

[@furkanansari2223]

Coming soon 1m subscribe to congratulations

[@Ak_official_knw]

Grat info

[@mohitpandey2611]

1M subscriber coming mam♥️

[@shoeb24in]

I am living happy live because i use debit card only.

[@girisht1936]

30% of credit limit.. does this apply to individual card or the total limit combining all the cards??

[@patamesh]

Total aggregate limit

[@girisht1936]

@@patamesh so lets say i have 2 cards with 50k limit. So my total limit is 1lakh. In this case is it okay to use 30k from only one card? Considering 30k is more than 50% on that individual card but 30% on total limit.

[@pratik14jan]

What if I spend using credit cards and immediately i pay the outstanding amount by end of day. Does it count in utilisation of credit cards or not ? And how would it impact my cibil score if i follow this for every spend in credit card?

[@mithunmitra3788]

Same pinch

[@rajveerkhajuria9777]

Bro suppose your bill is generated on 18th and your due date is on 8th .. you just have to pay your bill before 18th that is u have to pay it before bill generation te report credit usage as 0

[@chaitanyaagrawal]

Nope. That doesn't count. I do the same and my utilisation shows 0. However if you transact on the day of billing, that will be shown as utilisation.

[@iamafaiz]

It's helpful 👍👍

[@saurabhgupta9532]

tNice tutorials actually was, and I'm just starting myself, I have no idea what I'm doing but I have a ton of ideas in my head. Ti to figure tNice tutorials out

[@balgondapatil]

credit limit do we need to consider all cards together ? or individual card?

[@harshphysik]

Please try to make video on cash withdrawal against credit card. The conditions in which it should or shouldn't be done, pros and cons etc.

[@rahulchaudhary7173]

It should only be used as last option only. In Rearest of Rear case.

[@Skinnybearr7543]

@@rahulchaudhary7173 Why?

[@gaminguptaji]

Can we use credit card to purchase stocks or maybe create a sip?

[@anshul0001]

Ma’am please ek video payment banks k uppar bhe bnaiye ki konsa best h or kisme kya kya charge lgte h

[@MesmericNikhil]

Work on ur audio quality, may be a better mic, ur voice comes out too loud.

[@TadkaGaming]

Me going to get 18 next 10days and gonna open my first credit card with fd 🙂 thanks for the tips

[@shashidharpatil9710]

Please da a video on how income tax is taxed on credit cards, is it taxed on billing amount or on debited amount, please make a video, anyone know please answer this for me

[@sharifulomran9030]

Ironically this video started with ppyl ad

[@gokukanishka]

What is the time frame to buy a new card when you have a existing credit card Is 6 months gap ok ?

[@priyanshusolanki3968]

Using 1% to 30% of credit limit is annually right?

[@rajeshmaity5910]

I Don't Make Even One Of Them....

[@shahbazsmithy1656]

Make video on your all credit card and how you get and fee

[@NarendraSingh-nf5xj]

Good video.👍

[@koshalsaini4213]

I use more than 100 % of my card but when it goes more than 30% I pay back the over used credit limit on same day or next day and at the end of the month my card bill is 30% of total limit. Then my utilisation is 30% or more than 100% ? Please answer or is it bad for cibil score?

[@saurabh6747]

Utilisation calculated by statement generated at the end of your card's billing cycle.

[@koshalsaini4213]

@@saurabh6747 means by card bill or by the total amount withdrawn from card?

[@saurabh6747]

@@koshalsaini4213 card bill/statement will consider, as bank's are only share statement due amount & total limit with the credit score companies.

[@DearSrikant]

​@@saurabh6747 Usually Cards want us to spend 200K yearly to waive the annual fees. Can we complete our 200k milestone with spending more as well maintaining the utilisation ratio 30% by paying the amount before bill date?

[@ankuraryan]

Obviously Ammount of Percentage Generated in your Monthly Bill is your % utilisation Ratio... If Your limit 1lac U spent 70k Paid back before bill Date 40k Remaining bill generated 30k Your % utilization is 30%...

[@abhinavgupta01]

I do all my spendings from CC and pay full before due date never paid any fees aor annual fees 👍

[@aviralgaur4220]

Mam please make a video on slice new policy and should we close the card if yes how to close it

[@saurabhsingh2890]

why you use slice cards, any specific reason??

[@TheWanderPulse]

@@saurabhsingh2890 You get many discount offers from various platform

[@referralcode6566]

Hi guys apako cred ka referal code chahiye to to is link ko open karo kzbin.info/www/bejne/bqeVlHR8YtCBnNE

[@pratikdevmurari412]

What is the CPP? And what are benefits?

[@pranavguleria3114]

I was using Dhani One Freedom card but later I found that this card is very bad…..so I closed the account….does this affect my CIBIL Also I was using Amazon Pay Later which I am not using now….so please tell me what should I do with these 2 accounts

[@chaitanyaagrawal]

Don't open Pay later accounts as these are shown as Personal loan from their partner bank in your credit report. Call customer care and ask them to close your Pay later account. Personal loan badly impacts your credit score. Go for purely traditional credit card or co-branded credit cards. Dhani card is also a personal loan card (although at 0% interest, but still a personal loan).

[@KARAN-kd9pe]

Ma bhi card change kar-kar ka use kar ta hu Ab ma old card and high limit wala heee card regular use Karo ga. Thank

[@SSiraj-Sheikh]

Madam, How to check till Date Usage amount of CC.....

[@vinaypsingh86]

I do not even speak with credit card support guys for waiver of annual fee, using 10 years old email template for copy-paste every year to all my 10+credit card banks and availing 0 annual fee for 10+ credit cards for last 10+ years.🤠

[@mr.perfect.117]

I have 7 cards and i am willing to close 2-3 cards

[@himanshushrigiriwar5930]

How can i learn more about crypt currency? Can somebody help me?

[@makemoneymrk]

har cheez ke do pahlu hote hain...right or wrong nice video.

[@amitmaurya4965]

Hi di... I have life time free HDFC Millennia Credit Card but HDFC offering me again and again to upgrade with Regalia gold CC. What to do.... Karna chahiye ya nahi?

[@CAMISADOupsc]

I pay my credit card bill even before the statement generation

[@gk2298-exz]

That's bad too. Technically you are not using card at all from cibil pov.

[@CAMISADOupsc]

@@gk2298-exz But my CIBIL score is 810

[@cdsir4163]

When credit card gets upgraded then does the old card gets automatically cancelled

[@avikarchaturvedi8677]

Applied for too many cards🤦🏻‍♀️

[@rajvardhanpatil9899]

Nice info but, plz improve audio quality.

[@binaypandit2581]

I wasn't increasing my credit limit, and didn't tried to make it free. Sometimes i forget redeem my reward points

[@sachin1254]

Same with me...just missed 500 rs gift vouchet also bcoz seen that rmail late and already expired

[@KK-nw4dc]

Ye toh sunne me hi kitna headache lag raha, ek card ko use karne ki itni savdhani rakhne se acha debit card hi sahi he, jitna ₹ hoga utna hi use kar ke tension free....

[@VishalKumar-jy3ht]

Awesome hacks

[@PHOENIXGaming59]

Thank u

[@gurcharankumar7545]

Mam cibil score kaise increase kare, please make a vedeo

[@pruthvirajchandorikar9275]

I want to buy fule credit card, I don't have any experiance to use credit card which one will be better??

[@abhijeetdhokrat263]

Mobikwik XTRA 12% what are your views on it?

[@avikb1485]

Is there any option of changing the billing date with the Axis Flipkart CC.

[@skrish1592]

No billing date will not be changed for any credited card. I tried already for all cards... Just try if u want to see ur luck by calling customer care

[@avikb1485]

@@skrish1592 Thanks for the reply..

[@ShaileshKumar-ez8ow]

Yes 100%, talk to your customer care

[@gdas5025]

0(zero) account balance account pe credit card milta he ? Kisi bank account se credit card milne ke kuch din bad usi account ko bandh karnese o credit card cancel ho jayega ya nahi ?

[@avikroychoudhury3858]

How do I know when my renewal is?

[@bhenesekharsahu7545]

After 1 year of card activation.

[@tusharbhardwaj1395]

Reward points zada h ni,kuch buy krne ke liye or SBI pw call krta annual charges hatane ko,vo sidha chaud me kehta nhi hoga.aal chaho toh bnd krwado,ab 3.5 yrs old card h,aise bnd krwaunga toh credit score jayega🙂

[@amirmusicshorts2229]

I got approved Flipkart axis bank credit card of limit 35K luckily without income proof 😃😁

[@professorarjun1234]

Pay after bill generation. ( For better cibil score ) I have 70K approved credit ( 15K as pay later) Alone Flipkart paylater took my cibil to 760.

[@pramodhreddy4726]

Do a video for best fuel credit card

[@xperiaarc2680]

Just a make lot of money , all this gyaan comes standard with it .

[@referralcode6566]

Hi guys apako cred ka referal code chahiye to to is link ko open karo kzbin.info/www/bejne/bqeVlHR8YtCBnNE

[@surrealsoupuniverse]

I love my flipkart axis bank credit card BUT iska annual fees kaise wave off kar wau? Kisine karwaya hai?

[@surajbhute4485]

If we get a new credit from the same bank then can we close the old card without hampering our cibil score?

[@imparixit]

When you say credit limit, it is all cards together or individually?

[@sarthakkolhapure]

Individually, Never Exceed 30% Limit of each Card you have.

[@saurabhsingh2890]

together (suppose you have two cards with 20,000 limit each then your credit limit is 40,000)

[@saurabh6747]

Most of the people have this question in mind, The experts said that the credit limit is considered as a together of all cards.

[@DeepakKGangwar]

It's all cards together, mate!

[@girisht1936]

@@DeepakKGangwar so if you have multiple cards, spending full limit from one card (which doesn't exceed 30% of total limit by combining all cards) is okay?