How To Maintain Credit Card Score?

[@MinePlay25YTB]

Man is becoming a meme editor more than a finance influencer.

[@sachin1825]

He already is

[@jerrybro9904]

I follow my man brooo

[@mangleshkumarbarnwal8377]

If he could pay 1.5 lakhs within 10 days from purchasing, then why he's buying in EMI, he can buy then only. 😂

[@CrispyVloggerBoy]

​@@sachin1825correcton: he is already

[@leo80leo80]

I swear 😂

[@Rimuru____]

😈 See comments to guess why I got likes

[@SunnyXDDDDD]

Jojo reference

[@RYUZAKI_ASHURA]

Jojo

[@levi1740]

Jojo reference

[@shashwat02]

Waryyyyyyyyyyy

[@zeusff6743]

Kars

[@aryako_official]

When you realise hating Jojo is a Jojo reference because Dio also hated Jojo

[@prosthetickneecapz]

at this point, existing is a jojo reference.

[@krishnabharti359]

Wryyyyyyyyy!!!!!!!

[@parthkhajuria5489]

Bro the world is a JoJo's refference

[@subhajitmalick7406]

Lol everything is a Jojo reference 😂

[@deathkiller_kneck8361]

JOJO

[@amramaxyom9603]

Those who don't use credit cards - Sanu ki.... 🤣🤣🤣🤣

[@_abhi_ww]

Hasna tha? le hasliya, Hahahaha 🗿

[@_abhi_ww]

@@m.ehtishamzafar8560Mars 🙏

[@lovepreetkular2264]

Sahi gll Sanu kiiiiii

[@lovepreetkular2264]

O sorry sorry Sannu kiii bc

[@VelauthamS]

Cibil would much lower than expected because you might never paid debts.

[@geetashetty4603]

This has become a jojo's refernce

[@Swarup-FIFA]

249 LIKES and o comment lemme fix it

[@Shubham_raj_15]

Haha, I thought nobody would pick up on it

[@mohmadsohelpathan438]

Exactly. Bank don't report your utilisation on your bill date but 30th or 1st of every month.

[@Thisismyyoutubechannel69]

Is this true or you’re being sarcastic?

[@rohiththokala6537]

@@Thisismyyoutubechannel69 actually banks reports the last bill.generated amount so if ur bill generates on 20 better to CLR the amount before 20 so it will be intact and. U r safe fromcredit reports

[@Thisismyyoutubechannel69]

@@rohiththokala6537 yeah bro that’s what I thought. I think banks report to the credit agencies on the date the statement is issued

[@abhishekbaddam7579]

If we use more than 75% of credit limit will It effect our CIBIL scores

[@ajinkyaborade9114]

​@@abhishekbaddam7579 yes, it's good to not utilise more than 30-40%. Try keeping it as low as possible.

[@nicolarondelli9301]

You don’t need to have the iphone 14 pro if you have to pay the loan. People just don’t understand money

[@reachme191]

Reach me with 👆👆the what'sap line above for more information, guidance and consultation. Thanks for the feedback..

[@techzers5737]

I thought like this too but if you watch it closely he used the credit card to avail discount and no cost emi which means he doesn't need to pay a bulk amount and also have discount.

[@arulselvan6768]

5% cashback is discount? It is indirectly only pushing you to spend more on items you don't really need.

[@deepeshgarg9460]

5% cashback is not a discount if the product price is 1 Lakh and you having 5% cashback you need to pay 1 lakh first and after few days you will get the 5% which is 5,000 ₹ back to your account. And Discount is on the spot you need to pay only 95000 ₹ and not the 1 Lakh They both are actually different

[@devilsondavid4794]

End of this video i forgot about iphone and thinking about my cibil score. 😵‍💫

[@thegodofcosmos7365]

Man just pulled out pillar men theme out of nowhere ...that hit hard man DAMNNN

[@rohxt4]

Guy needs EMI and he’s suggesting to pay it back by month end. I’m sorry. Did I miss something?

[@maniksi2855]

Exactly, pretty much useless for emi users

[@samsg]

It is about zero interest emi and 5% cash back, I guess

[@harshalbezawada4901]

​@@samsg zero emi? okk. If he saves his money till month end which he was paying for credit card. It's the same both ways, he can get it with no emi, by paying full price. Soo What's the point

[@samsg]

Actually this so called hack is for those who have money, but still want to save using things like cash back on card, and yeah getting zero interest credit when you are paying back full before the month is kinda useless.

[@harshalbezawada4901]

@@samsg Yes. You are correct. It's just that he is increasing his Credit Score through this. Someone who genuinely doesn't have money, this hack is useless

[@shubhdubey9525]

Bro literally became a pillar men for a moment

[@Nivaangoel2011]

%

[@Noraspace]

No Need To Worry On credit card emi because credit utilisation also divides along with EMI respectively.

[@gobardhannayak8089]

now finance tips are a jojo's reference

[@shadw9424]

Za warudo is a JoJo reference

[@veenabhatnagar2003]

When you find a JoJo reference even in a Financial video

[@santhoshsaladi8743]

5k enough to score today 😂.,cool hack

[@duskfreud]

Jojo reference everywhere 🗿

[@novaofficiall]

First time a shop owner himself is telling a way to save 💀

[@nagendrareddyd]

Excellent 👌 info bro really confusing and irritate with this cibil rules and next issue. Thanks for the vedio.

[@_max_fx1]

Bro was pulling up a Kamehameha at the end 💀

[@zenithxedits.18]

Before 20th November we lost our heart only cricket fans can understand 🥺💔

[@sureshiyer6136]

Good to know that there are 31 days in November (according to your calendar)

[@arjunck07]

These two ppl are amazing 😂

[@lucky_91BG]

Just enough for today's score 🤣 Sir you are full of information

[@onepiece-qt2rt]

Jojo brazzer adventure reference 🗿🗿

[@aadityagarg]

Bro I thought he was gonna pull a kamehameha. 💀

[@harshavardhan9501]

This is what I do every month bro

[@fatalshot]

​@financew-sh.4376scam 😑

[@skooo7]

You are intelligent then

[@honeyits]

​@@skooo7 i didn't understand this hack

[@skooo7]

@@honeyits Bro you gotta know about the credit card billing cycle Just google it You will get a lot of info It's easy to understand Then you will understand this hack

[@honeyits]

@@skooo7 thonks👌🙈

[@KujoJotaro-xn3gb]

Finally finance with sharan has also became a jojo reference

[@truenaturetravellers4722]

Kya phoonk ke ayaa bee..... Ur best dialogue ...i love it🤣🤣

[@fanilseth8208]

Not all credit card companies report utilisation to credit agencies on last day of the month..A few banks(like sbi, icici) report the utilisation on the statement date instead of last day of the month.

[@bilgin2010]

There is also another way. Overpay your credit card with 1.5 lakhs. Thus using your credit card will not affect your utilization ratio. This is also useful for people who do not have a limit as good as Sharan. Keep up the good work Sharan.

[@Ronit05]

Even I was thinking about the same.

[@Ronit05]

Is there any limit on overpaying your credit card

[@bilgin2010]

@@Ronit05 Not that I am aware of. But your bank might be the best source to answer that

[@udaykiranreddy194]

They report it to cibil once the bill gets generated. Not on 1st of every month. Once your statement is generated then the amount you owe to the bank will be updated to the cibil. So check your credit card bill generation date and pay before that date.

[@sathishkola6168]

Not all credit card companies report at the start of month, the reporting date for every bank is different. Some report on the bill generation date of that card, some report at the end of month and others in the middle of the month. So the best way is to check your cibil report for the reporting date of each bank and pay the amount before that date in order to maintain utilisation ratio.

[@navdeepgurjar7870]

Ekdum shi bola

[@AshishKumar-kj5cf]

If you get Zero cost EMI, how will you pay to the bank before 1st. And if you can pay before first, why would you take a loan. 🤔🤔🤔

[@shyamsareestock]

Exactly 🤣🤣🤣🤣

[@nagarajnaik1563]

Thats why i am not sharing this video, i am not understanding this video and English 😂 I think bank is not give another loan when already have loan, but this 0% cost EmI is joke and also no one give no cost emi and card offer( 5%mention in this video) at same product

[@himanshudoshi26]

Last scene - action kamen ---- action beam ⚡⚡⚡

[@abhiandniyupodcast]

Thanks for letting us know this information for real. My Credit Card Utilisation is 89%. Just saw it Today...

[@pratyaydbiswas]

So That's a Jojo References Too!!

[@spideygaming5179]

OMG IT'S HIS FIRST VIDEO WITH A JOJO REFERENCE

[@Draglox]

Where

[@chirantanroy1323]

@@Draglox It has Pillar Man Theme

[@chesterwhipplefilter3878]

@@chirantanroy1323 and also there's JoJo fonts

[@ashishpolinati4892]

This is a useful hack ... thanks Sharan bro...

[@aakashdharmakari2591]

Does this mean I have to pay right when the bill is generated? Or before the bill is generated?

[@ashishpolinati4892]

Not related to bill generation date. The goal is to reduce the credit utilization amount before 1st of each month, so pay at least 2-3 days before 1st of the month to ensure no negative impact on CIBIL due to higher utilization ratio

[@gameocean8014]

Him holding a harry potter wand!!❤

[@oxiygen7585]

Kars theme😳 W

[@mrinalpain1540]

No cost EMI left the chat.

[@reachme191]

Reach me with 👆👆the what'sap line above for more information, guidance and consultation. Thanks for the feedback..

[@funclub5880]

If he pays by 30th then how can he get "0 Cost EMI" which he was asking.?

[@user-fm8jg7xo6n]

Exactly. He didn't think this video through.

[@johnnybravo9641]

That means, he can partially pay his credit card bill with cash so that it doesn't hit 75% utilization.

[@funclub5880]

@@johnnybravo9641 Yes, he was also telling about EMI, which cannot be possible once payment is done. Even if it gets converted then why does he need to pay EMI, as he already paid the amount.

[@johnnybravo9641]

@@funclub5880 Payment with EMI bro. That means. Total Amount will be blocked on credit card limit ~ means utilising the limit > 75%. So despite the EMI, if he pays off partial amount to reduce the utilization to below 75%. He's safe. This is what I think.

[@funclub5880]

@@johnnybravo9641 Yes you are right but, listen to this video again and get to know how much he is spending and what kind of suggestion he is giving.. Just evaluate

[@shanilgosavi6681]

Man I have been watching you for a long but today I will subscribe you 😉

[@sathish_9533]

Banks report to RBI the outstanding bill generated and the billing date is different from card to card and bank to bank.

[@harshithakalidindi4411]

My sir said this is advanced accounts class😂😂

[@fatalshot]

​@financew-sh.4376scam 😑

[@skooo7]

Lol

[@vibhavmahale1]

If it's zero percentage EMI, how will he pay it off before the end of the month?

[@mithunrajesh]

Thank you for advice continues to have 42 rupees as my bank balance

[@SPANZERO]

Even sharan is giving JoJo reference 💀

[@parthagrawal0309]

Hi Sharan, pls make a video on when to buy a 2.5L jawa bike (on-road price) and how to save money on it plus insurance. I will be grateful.

[@hairshmadhavan6561]

Don't buy it. 100% money saved..

[@guidancebaba5408]

One doubt Sharan Should I buy with Credit Card like you said in Video or should I buy with cash like you do in real life. Confused bro

[@the_loveable_fat_man9948]

Not all banks report by the first of the month, they do in fact do bulk reports however they normally do it based off multiple different factors. I work for a mortgage company owned by one of the biggest banks and we report around the 28th of the month, the things to take into account is how many days in the month, how many bank holidays and also if a company has multiple portfolios of accounts (they normally do), then it depends on the day that portfolio is scheduled to be worked. The safer way to do it is actually just call the company and ask them when they report to the credit file. Also take into account it can take 5 working days for payments to be received and allocated too

[@Mauryareddy893]

I like it when he says “I follow my man bro”

[@SameerShaikh-py2di]

Bhai tum achi information dere ho sab achi baat hai but bhai sabhko sab samjhe na aana. Makta ese batao aapka ye style sabko nhi samjha aayega

[@prinkeshchaudhari9873]

Aisa kuch nahi hoga, har bank alag day par report karta hai. Not on 1st of month. Random date that no one can figure out...

[@financew-sha.3682]

⬆️⬆️⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️🇮🇳🇮🇳

[@ArO_MaL]

Nobody noticed the Voldemort wand 😁

[@Mr.h387]

Pillar men theme party

[@xxxthehighwayxxx]

You any way don't get zero cost emi as u will have to pay it by end of the month right..

[@fatalshot]

​@financew-sh.4376ayo scammm !

[@Aryan_B2]

Emi?? U just going to pay all the money at once using credit card and then why u want the zero cost emi.its going to be the same 🤔

[@karandhanwal8920]

I was expecting that G-PAY joke when he said that he had a secret hack😭💀

[@butter248_theaviationlover]

BRO BRO I SAW U IN A MERC C220 I THINK AND DANIELMAC CAME TO YOU ONCE WE WERE AT THE SAME PLACE LMAO MY FRIEND TOLD ME TO MEET HIM THERE SO YEAH SICK MAN

[@harshitjain1809]

Better financial advise: if you need to get a loan, don't buy the iphone 14

[@rahulkumar-zc4sf]

If you have friend who has company, he can claim gst and you will get gst benefit ie 18% discount

[@skooo7]

Yep Efficient and effective use of credit card cycle

[@abinaya1071]

🤣 So this is jojo reference

[@jeethuutube]

Damn... I almost forgot my cc due date 🤧🤧

[@roger19921000]

Do the banks report to cibil on the first of the month or statement date

[@shubhodeeppaul9640]

He is an influencer, he can make mistakes, you should do your due diligence. I beleive it's on the statement date but not sure.

[@RandomGuyyOnInternet]

It's statement date yes

[@mehndihasan5828]

Yes bro I also need clarification

[@mohsinhusain4]

As always he presents half baked facts. Every bank has their own reporting date and you need to see it from your cibil report. It's not the 1st of every month for all the banks. Second your cibil does not go down by 15-20 if there's more than 30 percent utilisation. It depends on a lot of factors.

[@itachi7976]

Jojo pillar man theme saved your video

[@sairamgangisetty8730]

omg i recently checked my credit score it had dropped by 5 to 15 points each time but due date for my credit card bill is 5th of every month thank god this short saved me by not losing more credit points

[@VAISHALIDORANALA]

Where do u get money for paying??

[@Spiky_-oy8sd]

Among us ☺️❤️

[@Mr.onetap_Factz]

Sharan op

[@parthkhajuria5489]

Bro summoned an entire fandom with 1.5 second clip

[@cookingwithsanthosh]

How can he pay in just 11 days😮

[@unmeshchougule5666]

You use credit card only if you have money in your account. Do not spend more than what you have

[@akotireddy]

Please cross check your points. 1. My credit utilisation this month is 92%. My score is not reduced. 2. Banks will report only the last statement details irrespective of date of reporting. I usually pay in 2 days after statement date. Still it will show as loaned amount in credit report.

[@gtg_gaming]

High Utilisation will affect credit score

[@memeline7015]

Tha jojo's reference tho....

[@manjirosano6113]

This video just became a jojo reference Pillar man theme op

[@ranjithkumarg7533]

bro my bill will be generated on 15th of every month as u said that on 1st banks will report to cibill ,as it applied to all the banks or according to the bill generated date?please reply bro

[@gautamsharma4083]

Na credit card hai... Na iPhone lene ka budget.... Par haaa.... Maja ayaaaa

[@rbgaming1301]

Last one was like kamehameha

[@tofajjolhossaintanvir]

This man got an Iphone 14 pro max And me:😅😂

[@gauravchauhan1645]

Everyday a new finance influencer pops up

[@STUDIENCE]

Bro is so smart is so much used by different youtuber but his scripting is very good that he gets so much retention 😎

[@tejaspadhye]

Pillar men theme out of nowhere

[@AsifAli-nb7ix]

Because i follow trade traveller abijith😅

[@YouVen0m]

This is the only Indian that actually entertain me and don't annoy me

[@omarhamid2583]

Just buy it once if you can’t afford it buy pre used last gens

[@gamenation6830]

The fact that his mustache just vanished

[@officialflorint]

First time I’ve seen that the Indian credit system is similar to the American, nice.

[@sriranjanim1460]

❤videos and reels are nice , i watch to view to videos more❤

[@rohitbansal3032]

High utilisation limit is negative in short term but very positive in long term

[@riztangaming9545]

me : understand absolutely ntg but likes the video bcz he did hardwork

[@hatakeKakashi070]

That pillarman theme 🤣

[@always-I-win]

kon kon dekha baad mai isne apna muuch nikal diya jisne jisne dekha wo like kro now i am famous thx for like

[@vigneshn7068]

Some of the banks will report every 15days once

[@thatguy_dirt_in_your_eye]

When i was like 12 i wanted an Xbox for Christmas but my father delayed it to next month so he had time to pay the bill……well now this explains back in the day i was mad

[@IND_12_BrS]

But the father is our Tejas Joshi bhaiya

[@_foresst_1574]

I had fun reading JoJo Reference comments

[@Herukamahesh]

Payment can take 72 hours to get settled 😂

[@The_Entertaining_Kit]

We missed 'kya fook ke aaya he be' 😅

[@lakshaybansal6850]

Irony- Taking Phone worth 1.5 lacs and is trying to apply for loan😁