850+ credit score in 30 days | Money Psychology

[@molivia.]

My dad's cibil score is down only because he took loan from CITI BANK, which is now merged with KOTAK MAHINDRA BANK. Now, every time they (KOTAK BANK PEOPLE) call to repay the loan. He tells them he already paid it then why your bank people calling repeatedly. 😤 Its been 10+ years he payed the loan with interest. He have documents to prove that he already had paid the loan. It not only happened with him, but with multiple people.

[@iSaurabhSri]

@@molivia. Do one thing, lodge a formal complaint with Kotak bank via email to mark the loan closed from their end. If they fail to do so in one month, you can launch complaint in RBI ombudsman

[@anudeepdesai]

Reach out to higher authority, like RBI ombudsman, or customer court, just talking to them doesn't help

[@HOPE_11]

Go for a court case

[@venkatapothineni2131]

Merged with Axis not kotak

[@animexart1]

Best show for people who wish to change their Life.

[@kaputo9778]

Your videos remind me of good old shows that educates and still has a lot of personality in it. Keep up the great work!

[@Zero1byZerodha]

Your comment made our day ❤ Kudos to the team :)

[@gopalsinghrathore1346]

which shows r u talking about. pls name

[@OmNamoShivay7]

Quality content it is

[@hemangpatel1114]

It's awesome information. Much needed for this era where everyone is loaded with leverage. And this video is much informative so that 70% of problems can be solved by them. Wow awesome

[@sumanth6000]

Hello.... Pls make a video on how to write to CIBIL regarding closed credit cards and closed loans, thanks in advance

[@singhved99]

Huge fan of you man Varsity

[@Zero1byZerodha]

Thank you 🙌

[@ManOfCulture25]

CHECKLIST IS JOHN CENA

[@Krishvi_ACHU11]

you cant see me,

[@SajalKedia]

But I can see it! 😂

[@ManOfCulture25]

@@SajalKedia you are late so enjoy

[@ManOfCulture25]

@@only_Anjani you are late so enjoy

[@MrVinaykaushik]

Checklist : How to improve your credit score? Here are a few key tips to keep in mind for improving your credit score: Open credit A/cs only when necessary Diversify credit types over time Make timely payments and do not default Keep credit card balances low & CUR less than 30% Check credit reports often to spot errors

[@GJ25Arjun]

Nice to explain about credit and cscore

[@Zero1byZerodha]

Thanks for your love ❤

[@techtick9]

This is a very helpful video. Thank you!

[@Zero1byZerodha]

Thank you 🙌

[@jayeshk3757]

If someone doesn't have credit card and never took any loan then what will be their credit score? Also is there way have a good credit score without using credit card?

[@arunkurian9367]

Default is 500,and you need good credit score to get the good credit cards.

[@BHAUFREE]

*Make vide on Investment strategy of Monish Pabrai*

[@kushaltalukder2929]

Hey Abhishek and Team of Zero1, your videos on Personal Finance are eye openers...could you also teach something like Technical and Fundamental Analysis of Stocks...it would be very helpful. Thank you ❤

[@vigneshramanathan6108]

Wonderful video guys ❤ thanks for hard work I think you guys forgot to add the check list can you pls add it

[@Zero1byZerodha]

Hi Vignesh, thank you so much 🙌 The checklist is updated right there in the description

[@krunalsisodiya]

Could you please create a video on proprietary trading, including an overview of its advantages and disadvantages?

[@vasanthrex]

Is the video English or Hindi

[@AnkitJain-us4mo]

is cibil and credit score same ? bcz they don't come out to be same always !

[@manoahjohnson7003]

Great videos!

[@narayananmmenon339]

I somehow got into this loop. I have over 8 CCs. But I track and oay them off all in time and in full.....atleast benefits are nice

[@arindamdas2274]

Amazing content!

[@Zero1byZerodha]

Hey Arindam, thanks for you love. Stay tuned 🙏

[@ujjwaldeo]

What is a Good credit score for different purposes?

[@simonandrews5256]

Thank you for the wonderful video sir. I have a question regarding the 30% rule: Let's assume I have only 1 CC with 1 lakh limit. So rule says I should only take out ₹30000 on January. Can I take out multiple transactions, each less than 30000 but total more than 30000, provided I pay one amount back before taking second loan, all in January? For example: On Jan 5 I use CC for ₹20000, on Jan 7 I payback ₹20000, on Jan 9 I take ₹25000 and I pay back ₹25000 by Jan 11. Does the above example adhere to the 30% rule? Thanks in advance for the help Sir 😇😇

[@shivachitti5274]

I am not sure, you are correct on 30 % CUR of all limit combined... I have 5 credit card of 5 lakhs each and i just 4 lakhs on 1 credit card.... And cibil tanked 20 points... so I think cur 30 % per card limit is ideal way.

[@shreyasingale]

It's like they already know what I want to watch next...

[@Zero1byZerodha]

We know…. 😬🫡

[@AmanSingh-pq4rf]

Very informative!

[@clipglasses351]

If i repay my loan in lump sum amt rather than in installment will it affect my cibil score??

[@a.j.l.____8165]

Credit scrore VS CIBIL score

[@ilordepic]

Cool epic video thanks

[@inderjeetsingh5382]

Another masterpiece

[@ayanghosh307]

this credit score is a big bull shit. I took a credit card of a certain limit to use all of it. why stop at 30%?

[@Zero1byZerodha]

We get where you’re coming from. The 30% rule can challenging, but it’s really about showing lenders that you can manage credit wisely. It’s less about how much you spend and more about proving you’re responsible with it. Keeping your credit utilization ratio below below 30% can help keep your credit score in good shape for future needs.

[@rishushrivastav4591]

MYTH : checking credit score will not affect your cs, tho i did not know about hard & soft checks thanks for that.

[@anindya.ch1]

Great video..

[@nishantraj7498]

NICE !!

[@Danielkrest]

he is the college senior bhaiya we all wanted but never got

[@Zero1byZerodha]

Ab mein aagaya hoon deinfluencing army!

[@rajendra6165]

"I have a loan that I am repaying regularly, but the bank hasn't updated this information with the credit bureau. Is there an email address where I can contact the bureaus to request a correction to my credit score?"

[@AnimeRecapInHindi]

They update it every 1.5 to 2 months....are you checking it too early or it has been a few months?

[@jungletraderbee]

Very good!

[@Zero1byZerodha]

Thank you 🙌

[@mePrafull]

Thank you

[@Zero1byZerodha]

Thank you 🙌

[@Ranu8299]

Thanks really

[@vishalnath8285]

does pay later policies affect credit scores?

[@AnimeRecapInHindi]

Yes they are basically loans/credit cards itself...it will affect you credit score of you use too much or dont pay back on time.

[@kowshiknaidu283]

Check list, pani mei gaya, chapak 👏👏👏

[@Zero1byZerodha]

It's in the description above 👆

[@Sanket_Acharya_MBBS]

Well,I have a doubt. I have a hdfc credit card and I want to buy a tablet worth 24k with that and.actual price of tab is 31k and only with hdfc credit card I can get that in 24k so what should I do. Please someone suggest

[@botprogrammer8216]

What is your card limit and available balance?

[@GauravBhardwaj-hm4qe]

bhai ne paid website ka link dia hai but you can check your score on Cred for free

[@vengadakrishnanrajap2606]

which cc is best ?

[@anirbandas9780]

Indian Bank

[@tiwarinitish]

You forgot to give link on how to check credit score😂😂

[@empathetic24671]

Good video

[@Zero1byZerodha]

Thanks a tonne ❤

[@luhaarunk3085]

Previous video ke baad bhi Abhishek ne iPhone le hi liya 😂

[@Zero1byZerodha]

He was about to buy the latest iPhone, but after watching that video, he reconsidered and decided to stick with his two-year-old iPhone and not get the latest one without saving for it 😁

[@luhaarunk3085]

​​@@Zero1byZerodha Still paying EMI (in the video opening) for 2 year old iPhone? 😁

[@sabariraj7877]

Please do not speak in Hindi in between, people from other languages are also watching

[@adityasanket1553]

take me in video

[@amankhaitan6]

Say something nice

[@rubeshwaran6570]

Under 10 min

[@user-lj8kf8tu9h]

Nice

[@dhawalsaxena4538]

Cool👍

[@cuckoonut1208]

876. 😏

[@shriharitelang1082]

cfbr

[@anilkumar-vx7it]

ULTIMATE BANKRUPTCY PLAN😂

[@Zero1byZerodha]

😜😂

[@AnshulKumarPandey]

Paying credit card bills 10 days before they are due is a useful tip. My credit card bill is due on the 28th of every month. Once, I forgot to pay the bill - this was very early in my financial journey. My credit score tanked from 750+ to barely above 700. Lesson learnt the hard way. Will implement this tip to stop any such mistakes in the future!

[@amitgautam06]

Thank You

[@rahulvashist1102]

Folks please make a video on how to close the cards and when to close the cards, the order in which the cards should be closed for someone for example who has 10 cards and wants to close the extra cards please. As even the closure would have impact I assume!!

[@the_bearded_boxer]

I had 4 cards in the past and I closed all of them within 6 months & now after 1 year my score is 820ish. So, what I did was Find out which card had the highest interest rate and I decided to pay it off first but suppose the amount of all cards are more than your monthly salary and your whole income is going towards replayment what you can do it take a personal loan of the combined amount for all (eg: you have to pay 2lakh for your credit cards) the interest rate for that might be around 15-16% (Take it from banks only not apps they charge very high amounts). Pay off the credit cards and close them on the spot closing highest interest rate one first. Keep 1 card with lower limit open. That way you will be able to close the cards and get out of debt cycle. You will have more free money with which you could prepay your loan faster. And yes, you will see temporarily drop in your cibil score.

[@deypritam]

I missed the intro video for this...come on guys...we love that

[@Zero1byZerodha]

Roger that, today’s video will have it!

[@Banrikupar100]

For checklist pause rhe video at 7:54

[@Zero1byZerodha]

Alternatively, visit the video description and find the link to checklist :D

[@nikhilSharma-te6jm]

Mine is not decreasing but neither increasing......

[@arvindhramanna5428]

Useful episodes, highly appreciate your efforts. Where can i find the checklist?

[@Zero1byZerodha]

Happy to know that you found this episode useful 😊 You can find the checklist in the video description 👆

[@Morning_prabhat]

I am facing an issue like in my credit report there is showing multiple credit cards which are not taken by me with high utilisation which is leading to a decrease in my credit score. I spoke to my bank regarding this they are saying I don't have such credit cards with my account.What to do in this case?

[@praxlannister7859]

Guys, where's the checklist? Its not uploaded

[@Zero1byZerodha]

Please refresh and check the description 🙏

[@thejas007]

Guys, where's the checklist? Its not uploaded

[@Zero1byZerodha]

Hey, it's there in the description above

[@NishitPatelarch]

@@Zero1byZerodha No sir, it's not there

[@Code_dreamers]

Bro, they have added the link to checklist. Look carefully

[@user-lj8kf8tu9h]

Same issue here as well. I can't open this file when clicking the checklist link.

[@user-lj8kf8tu9h]

now okay

[@SuryaAshte]

Thanks for sharing such obvious but important info.😀👍

[@anggubiakhlua]

Best financial literacy channel i have ever seen

[@noeljose]

My score in Experian and CIBIL are very different. In CIBIL I have 780 and in Experian I have 611. Now days there are multiple agencies and it is difficult for an average person to figure things out. can you make a video on this?

[@lonewarriorind8617]

Credit Utilisation is total of all credit cards or each card, I have 6 cards & total available limit is some 20 L, Should I consider 30% of 20L or just each card ka 30 %

[@vyshago5634]

Sir my credit score is already low (600) as I missed some EMI's, Now I have cleared all dues and don't have any loans now. How can I increase the score now?? Please answer 🙏🙏

[@soumsgaming238]

Mera 782 cibil score hain abhitak 800+ nahi hua even after following 4C's

[@caracaraorange9524]

6:36 - "no one knows the actual algorithm and the actual formula" so scam! 😀

[@surendrasinghrathod66]

Hindi me bolte to jada sumj aata 😅

[@HardikBaraiya-k4w]

I Can See My Credit Score Via Google Pay Is That Okay!

[@Zero1byZerodha]

Yes, that's absolutely alright 👍

[@nfxstudio7216]

Sir mere google pay pe loans show ho rhe hai jo maine kbhi liye nhi hai par woh regularly pay ho rhe h

[@trellingfood]

Looking for the checklist

[@Zero1byZerodha]

It's updated in the video description. Can you refresh and check again?

[@kashinadoing]

I know that the other guys acting he so dumb I am hating him

[@rahulkonda2492]

❤ Nice video!

[@bhaskar4372]

Very well discussed topic! Thankr you guys

[@Zero1byZerodha]

❤❤❤

[@romit1025]

Where's the list?

[@Zero1byZerodha]

Hi Romit, it's updated in the video description Can you check?

[@clubmaster2091]

same number for me aslo

[@anilbhandari117]

Build algorithms

[@dhruvgoyal7116]

my credit score is 850. i am 21 right now

[@soumsgaming238]

😮😮

[@Zero1byZerodha]

That’s amazing! How did you pull it off? Would you like to share with us?

[@dhruvgoyal7116]

@@Zero1byZerodha i had got a credit card baised on fd when i was 18. I am not really spending money to have fun kind of guy. So over time the credit score went up. Right now i have 4 credit cards out of which only 1 is fd based and 3 are normal credit cards which aren't backed by fd

[@Randomcomment7699]

I pay monthly expenses to credit card in advance then use credit card

[@Zero1byZerodha]

Shabhash 👍

[@ShibinBShaji852]

something nice

[@RICHEST28]

Eeee..... Elvis bi😂

[@mohd.arbaaz2954]

Great❤

[@jayeshk3757]

If someone doesn't have credit card and never took any loan then what will be their credit score? Also is there way have a good credit score without using credit card?

[@jayeshk3757]

Can anyone please answer it?

[@shalvinsveiw]

I'm Batman🦇

[@tanmaykadam0304]

If we utilised more than 40% and paid 10% off as soon as bill is generated will it count as 30% utilisation or 40%?

[@boregowdag1064]

30%

[@phoneix8309]

Every bank has a different fixed date for that .

[@astiksingha5496]

❤thanks❤

[@ramavathmanikanth3367]

I really like the ideas of keeping abshiek as beigner, he relates me more

[@puneetarora1714]

782 CIBIL score

[@Zero1byZerodha]

Awesome, Puneet! How did you get to this point?

[@puneetarora1714]

@@Zero1byZerodha been tracking my credit score since day 1, also I was I think 19 or 20 when I tried to track my score n then I found out I did not have a score to begin with, so I went a little crazy and took a gold loan, this option may not be for everyone, and closed the loan in 1 year but in the process a credit score their for me, you can say I paid for my credit score🤣, anyways since then, I have used my credit cards to grow my credit score and even been through a bad credit debt phase as well, thankfully I am more mature because of it, even though I am still 22😎 Also I still have no effing clue why I wanted a credit score 🤣🤣

[@puneetarora1714]

@@Zero1byZerodha ok so I was 19 or 20 when I tried checking for what my credit score was and obvsly I was a student with no loans so there was no credit score, so I went a little risky and took out a gold loan, with due permissions, relax readers, and viola, 1 year later closed the gold loan and got the credit score. Technically it's a paid credit score 😂, anyways since then I have been researching n diligent and been through 1 bad debt trap phase as well and yeah that's a how I got 782 on cibil trans union and 788 on Experian. Although I have no clue why I wanted a credit score in the 1st place 😂😂, it did help me get a pre approved credit card from hdfc 😎😎

[@puneetarora1714]

@@Zero1byZerodha ok so I was 19 or 20 when I tried checking for what my credit score was and obvsly I was student with no loans so there was no credit score, so I went a little risky and took out a gold loan, with due permissions, relax readers, and viola, 1 year later closed the gold loan and got the credit score. Technically it's a paid credit score 😂, anyways since then I have been researching n diligent and been through 1 bad debt trap phase as well and yeah that's a how I got 782 on cibil trans union and 788 on Experian. Although I have no clue why I wanted a credit score in the 1st place 😂😂, it did help me get a pre approved credit card from hdfc 😎😎

[@saketpandey8897]

lesss go

[@bad_geni_us]

Great

[@CartManBrahhhhh]

The CGI window brightness doesn't really match the room brightness

[@Crossbeat6565]

Can you guys make a video on how to access credit report and also how to read it?

[@kurumbayil]

Checklist?

[@Zero1byZerodha]

Hey, it's updated in the description above. Can you refresh once and check?

[@vicky13832]

Heys guys , Great video. Great efforts for letting others to get aware about Credit 💳 . Make videos on real estate, Black Money, a company named "Black Rock"(very less known how it works). Etc... Etc...

[@Zero1byZerodha]

Glad that you liked the video 😇 Expect an episode on real estate investment soon. I'have passed on your suggestions to the content team.

[@vicky13832]

@@Zero1byZerodha 👍

[@nirmalkumar-bq1fy]

coment kanrne ko bola tha kar diya

[@Zero1byZerodha]

Shabaash, gift for you 🎁

[@vishnuv12_30]

Thanks for the cibil link

[@Zero1byZerodha]

🙏