Types of Credit Card Users in India! Which one are you?

[@AmitAgarwal1977]

I used credit card as debit card and pay all my outstanding at the end of every month So i am first type of user.

[@vickyganatra]

Well explained with relevant example👌

[@milan26me]

Not sure what your qualification is... But your research and in depth knowledge on the subject matter is commendable. This topic was quite informative as well..thank you 👍👍👍

[@CardAcademy]

Thank you for your kind words :)

[@ravijangid4743]

@milan26me she is chartered accountant by qualification.

[@drrajpratimsarma9269]

Nicely explained the three categories of credit card holders

[@yajakgadkar9113]

What is BNPL FINANCIAL PRODUCTS ?

[@vinujoshiRF7283]

M glad u r delivering a huge useful knowledge about credit cards thank you so much carefully

[@maroofkhan4820]

Such an informative video, got to know some great insight

[@samirdeb579]

Very good Video Madam ❤❤❤ Very informative & very Right information Thankyou Madam.

[@dipankargolui4039]

Very good information Ma'am ❤

[@lsraj5783]

Ye dil jitne vala tha ❤👌 And these 3 category se thoda alag category me hun jisme apne 35 Card+ add on card use kar ke 3 tarike se pocket money banata hun🙂 Monthly 4 to 5 lacs spent *On this spents 1.5 to 2% margin **4 to 5 lacs liquid money for 12% per annum intrest ** Rewards, cash back and Mile stone etc on this spent. Overall 5 to 6 % bas pocket money bank utha rahi hai baki #Card_academy 🎉 Trick-Spents

[@dr.sunnymulla]

Nice information

[@PriyanshuSingh-yx7sq]

Am Transactor Thankyou for this type information videos.

[@pratiknikam2468]

Brilliant presentation! Learnt a lot of new things , keep these informative videos coming, Card academy team! Best wishes !

[@CardAcademy]

Thank you for your kind words :)

[@drsubhronath]

Excellent explanation

[@technicalfilmyaagaz]

We really need these kind of video topics..🤗🤗 And By the way I am yours new subscriber...🙌🙌

[@tohaariyan4785]

I have total 18 credit card at the age of 24. all cards are without income proof

[@amitabhmaheshwari]

Wow, please share your credit card journey with card academy so that they make a video on you.

[@2191harshit]

This videos shows ur knowledge is in depth. Great effort for making this video to aware people in this Credit card ki duniyaa...

[@CardAcademy]

Thank you for your kind words :)

[@sangmachhabra2761]

Good information ❤

[@akashtopder7251]

Definitely a transactor I always pay full due amount before due date

[@amitabhmaheshwari]

Revolvers should go for IDFC Bank credit card. They charge much lower interest. My select card carries 18 pc per annum interest

[@samradalpha]

Lighting needs to be improved to avoid banding.

[@sukhvindersingh9038]

Your knowledge is indepth and vast, content is always informative, presentation is excellent and hence much appreciated. Please carry on the good work and keep on helping and inspiring us, your audience❤ 😊

[@CardAcademy]

Thank you for your kind words :)

[@amitabhmaheshwari]

Revolving should be avoided at all costs. EMI is better but even that should be used very discreetly. Frequent use of these would indicate that the cardholder is spending beyond his means and this should be stopped ASAP

[@CardAcademy]

We completely agree with you.

[@gpaulatheist]

But banks love revolvers

[@amitabhmaheshwari]

@@gpaulatheistShould you consider your well being or bank’s ? Remember that bank’s advantage is your ruin.

[@gpaulatheist]

@@amitabhmaheshwari I'm telling as a shareholder of SBI Cards , so I love revolvers 😁😁

[@amitabhmaheshwari]

@@gpaulatheistunless you hold the majority of shares in SBI cards you won’t benefit by revolving, and even then, you may advise others to revolve, but never revolve yourself

[@vinujoshiRF7283]

I am a emi category person

[@ankush282]

Hi... What is the best credit card for insurance payment

[@ShashiKant-ig8kt]

I have Query abt credit card, if anyone have answer pls mention. I want to know how annual credit card expend calculated? 1. Sum of Monthly debited. 2. Sum of every month statement due.

[@PNM2007]

Card yearly spending is calculated from card issue to exact one year. For example, if the card issue date is 15th January 2022, then the spending between 15th January 2022 to 15th January 2023 will be your card annual spending.

[@firozjsr]

Should I Upgrade my OLD Credit Card?

[@sudhirbhagat8154]

Respected , please make a informational video on SBM gilt credit card on FD basis ,Thanks

[@HARSHAVARDHAN-fs9ry]

These r my credit card with limit for personal reason i have used and pay regularly but but cuz over utilizing i am getting effected in cibil which can be best utilize ratio Op-1 45,000 limit - 70 percent utilization 1,00,000 limit - 30 percent utilization 30,000 limit - 50 percent utilization Op-2 45,000 limit -30 percent utilization 1,00,000 limit - 45 percent utilization 30,000 limit - 50 percent utilization 0p-3 45,000 limit - 70 percent utilization 1,00,000 limit- 45 percent utilization 30,000 limit - no more bill Generation

[@vaibhavtandekar4541]

Students ke liye credit cards nhi hote kya?

[@mayurvithalani9060]

Nice Video!

[@Alekhyabhattacharyya]

Nice video ❤

[@Abhisheksingh-Z9]

Meanwhile me Holding 21 Credit cards : Hum to sabhi type ke card holder h😂😂😂😂

[@trivediashish]

A content from different league, an insider. keep it up.

[@CardAcademy]

Thank you!

[@rpawankumar]

A new sms Aldine things learned❤

[@parthkumar4156]

I am 19 Got flipkart axis credit card Next i am going for Airtel one Can you guys Make a video for flight card for beginners !

[@noor______]

How much limit for Flipkart axis

[@pritamsagar4167]

Appreciated 👍

[@Romeogautam]

Big fan ma’am ❤❤❤

[@AayushandShreyaTheShushAffair]

Hey, trying to reach out regarding a collab request, wasn’t able to find a email or a contract number, can you guys help?

[@qaiyoom2008]

Transactors

[@thisisthebestid]

You didn't mention the charge bank levies on merchants for each transaction

[@CardAcademy]

We have mentioned about MDR, which is charged from Merchants. There are a lot of parties who share that revenue. Card issuer's share is called Interchange. We have mentioned the same at the start of the video.

[@tisis4761]

You look so good❤

[@savage-qw4gk]

❣️😍

[@sunilkmorya]

Transoter

[@ironman3276]

Where is sanjana?

[@ophthalmologist-k]

Converting to EMI will reduce the credit limit available for use. Once you repay all the EMI's,it comes back to the original credit limit. It's important to maintain 30% spending of credit limit.

[@amitabhmaheshwari]

Worst part is that EMI involves payment of interest. Unless there is some exigency, card should not be swiped for an amount which cannot be repaid in full by the due date.

[@mahefuzmirza]

Me toh student hu jo loot offers ke liye hote hai

[@MohsinAhamad]

I pay the amount to credit cards without generating Bill mostly

[@amitabhmaheshwari]

Good

[@kumareshbaishya1933]

Why dont u pay the bill after it is generated , it would have positive impact on ur cibil score

[@MohsinAhamad]

@@kumareshbaishya1933 When I Will Get Payment From Customer Just That I Paid It, Kabhi Pata Chale Credit Card Ke Paise Idhar Udhar Ho Jaaye

[@MohsinAhamad]

I'm The Earner From Credit Cards Minimum 10k To 20k Per Month Alhamdulillah

[@santoshduddelly4988]

How do you earn ?

[@MohsinAhamad]

@@santoshduddelly4988 if you have credit cards in bulk then contact me

[@santoshduddelly4988]

@@MohsinAhamad I have 10 cards

[@santoshduddelly4988]

@@MohsinAhamad where is your number?

[@santoshduddelly4988]

@@MohsinAhamad I am unable to see your number in our chat

[@SayandeepJana]

I got ICICI Shapiro LTF with 5lakhs limit. At the age of 20. Received the card 4 days ago.

[@patilrahulr11]

Not worth👎🏽

[@CardAcademy]

Not a good card. But congratulations for your first card.

[@Arisha-su9iq]

You will get the Amazon pay icici card on the behalf of this card.

[@amitabhmaheshwari]

Great. Getting the card LTF is appreciable, notwithstanding the fact that this card is not too rewarding. But there are good offers on ICICI bank cards.

[@peerwahaj6011]

@@CardAcademy I have axis vistara infinite, acis select and flipkart plus american express mrcc at 18 I have hdfc preffered acc Axis priority Icici wealth management

[@rishabhdrop2982]

Literally it's the first time we changed our point of view from ourselves to banking side Really totally worth watching ❤ Btw love your content ❤

[@CardAcademy]

Thank you for your kind words :)

[@Arisha-su9iq]

I am a Transactor person

[@knittingworld9641]

1 st one or bhagwan se dua krte hai ke kbhi or koi catagory me aae bhi na

[@nishantsinghania6760]

Transactor

[@navneetofficial6202]

कुछ ऐसे भी क्रेडिट कार्ड होल्डर होते है जो फ्री वाले कार्ड कलेक्ट करते है । खर्चे न के बराबर करते है 😂😂😂😂😂😂

[@shivang_rai]

Me

[@hiteshdani4512]

I agree, ma'am ne ye point add nahi kia.

[@arpitkumar4525]

😂

[@WelcomeMobile786]

Mast lagti ho yaar hum aapko dekhne aate h

[@gagandeepsinghbedi8125]

Hi Team, need your help. Can you suggest me best credit card for Movie tickets? Also is Axis ace best card for offline spends like zara , uniqlo, h&m as it gives 2 percent cashback, or is there any other card that does better? Thanks!

[@CardAcademy]

In entry level cards, for offline spends Axis Ace is the best. Of course, when it comes to super premium cards, there are better offerings like HDFC Infinia, and Axis Magnus. For movie tickets, in LTF category, IDFC Select will be a good option

[@SayandeepJana]

I am TS

[@adilshaikh4292]

I love you

[@Ashishrajputexperiment]

Muje lagta he credit card company ko ghata hi jata hoga kyu haam bhut Jayda cashback earn kar lete he or 30 din tak invest karke paise ka sahi use karte he

[@CardAcademy]

Banks are clever. They do make money.

[@kathirvel.T]

Put English. Why hindi alone???

[@fanilseth8208]

First

[@stanislavplazilski]

Congratulations... 🎉

[@chaaaaaaaaaaaad]

90 percent log transactors hote hai. Baaki dono categories sirf gareeb log karte hai jinki job salary 50000 se bhi kam hoti hai.

[@patilrahulr11]

Transactor

[@SachinGupta-dn7wt]

Transactor