Biggest Money TRAP : How Credit Cards Steal Away Your Money | Earn Money On Credit Cards | Finance
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- Опубликовано: 4 сен 2024
- In this insightful discussion, we delve into the prudent use of credit cards as a tool for maximizing financial benefits and ensuring peace of mind. From cashback rewards to travel perks, we explore the advantages offered by credit cards and how you can make the most of them to optimize your spending.
Discover the top credit cards in the market and learn the key criteria for selecting the best one to suit your unique financial needs and lifestyle.
Whether you're looking for generous rewards, low-interest rates, or robust security features, we've got you covered.
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#adityasaini #financialeducation #creditcard #credit #financialknowledge #financialtips #creditcardaddictions #creditcarddebt #earnmoneyusingcreditcards #earnthroughcreditcards #bestcreditcards #creditscore #creditcardcompanies #moneytrap #earnmoneyoncreditcards
I am using 10 credit card but aaj takke ke kbhi 1 rupya bank wale ko nhi diya h faltu ke is baat ka gamand karta hu.... Jitna pocket me ho utna hi spend kro...😂😂😂
Same holding 18 card with total limit 49 lakh, 5 year, kuch nahi diya bank ko ulta fayda he rahta h har saal 20-25k ka
Bhai to direct pocket se spend Karo credit card ki kya jarurat?
@@Pravin53_Gaming kyu ki card se bhut saare offer rhete h usse aap paise save ker sakte h
@@zisshu ya Jo aap regular spend karte ho uss par offers milte hai ya koi perticular spends or perticular amount spending pe milte hai?
@@Pravin53_Gamingha milta h har time offar kbhi Kam kbhi jyada hat baar spend karne pe save zaroor hoge paise
It all depends on you. I am using credit card since 2012.
never delay any payment. Also I am in profit every month for groceries shopping as I am getting cashback for spending. No annual fees for me.😊
Dear point is expenses rise day by day, you using much money for life expenses
@@rajendrapradhan5143kya matlb?
@rajendrapradhan5143 nahi hota
Grocery k liye konsa credit card use kar raha hai?
Konsa cridit card use karte ho
It doesn’t matter if you beg or borrow but pay in full your credit card due. Using credit cards in the family for more than 16 years.
What's your credit limit after 16 years?
@@mohdmujahed2958 my father has credit cards and I started earning 4 years back, we never paid minimum due on any payment. Mine is 8 lacs
😂😂😂😂😂@@mohdmujahed2958
Limit ???
I save over 10K rupees per year by using credit cards. Health diagnosis and spa visits are additional.
Same 😂😂😂😊
Ye spa wali Line mast tha Guru 😅
@@Subhrajit_PandaSpa offer kon sa credit card pe h
There is no problem in credit card. Problem is with donkeys who takes credit which they can't afford, like iPhone in EMI
Bro credit card bahut accha hai bas apko use karna Ana chahiya and terms and conditions pata honi chahiya (mai khud apna papa ka 12 credit card use karta hu but Tumha only uska offer and is hisab se karni chaiya jitna apki aukad ho
1:29 pa ya jo bol raha jo credit card ka layak nahi unha bhi de deta ya loag toh beta ya is chutiya ki bhul hai bahut bari
Correct bro
Bhai main thoda confused hu. Main Flipkart se 22k ka ek phone lena chahta hu.
Mere paas uske liye 22k cash hai dene ko.
But Flipkart pe No cost EMI ka option bhi hai 1 year ke liye jaha par mujhe monthly credit card pe 1800 rs ke aaspaas emi bharni hai.
So mera doubt yeh hai ki. Monthly basis pe as long as main credit card ke bill mein 1800 rs bhar raha hu, mujhe uspe koi interest aur late fee nai bharni padegi na?
Yah phir mereko pura 22 k first month mein hi credit card walon ko dena padega.
Bro no cost EMI sirf kehne k liye hota h bank kuchh na kuchh charge hamesha laga deta h @@ahmedhajwani8980
legends pay SIP with credit card 😂
How?
I do that every month. On top of it I put small term fixed deposits with mature date just before the credit card bill payment date. Even though itself 5-6% interest but still something to save 😊
Bhai kaise
@@dharmikzinzuvadiya2035bhai batoo ne kaise karte ho plz
@@dharmikzinzuvadiya2035 but how do you convert credit card limit into your bank account balance? Doesn't it takes extra charges like 1.5%?
Minimum Due is The Biggest Scam of Credit Card Industry.
Dhanyawad bhole nath ka ki mere uper 1 paise ka bhi karz kisi ka nahi hai na koi loan hai na koi emi ka jhanjhat ❤ 4:56
🎉
Life me lena bhi mat bhai
Tum ek achche aadmi ho, jo ye sab chor bank walo ko apne aap ko lootne nahi de rahe ho.
Mera 20hazar ka hai. Sirf 8hazar use kiya tha inlogon ne interest,late fine laga laga k 20hazar kar diya. Abbb roz call aata hai mein utatha hi nehi. Gend marwalo.😂😂
5 :7
Your Videos just Really Great because of the real knowledge ......you have no fear that's why we like you the most ❤❤❤❤
what an informational 36 minute video. Every minute is useful in this video.
ya, Brother thanks for this High Valuable Financial Advice given To Us. And We Want Next Video On Hidden Game Of Social Media
Correct it in video, at 8:51 minutes "over limit expen." - 1,20,000 .
Very practical suggestions for credit card 💳 usage...one more tip...maximum avoid..EMI (since it blocks that much limit) bank tempts for emi convertion above 2500
I have 12+ cards 😅 Got discount above 1 lakh till now by using them. Be smart and wise then use credit card…simple. Without proper information don’t use credit card.
1lakh discount ke liye kitna kharacha kiya? Maano ya naa maano lekin tu toh phass gaya bhai.
@@junglee-bee koi car le kar bhi 50k se 1 lakhs save kar leta hai
@@Abhishekinfopc 10lakh ki gaadi credit card pe swipe toh ho sakti lekin ek mahine me koi jugaad tayyar rakhna padega, shayad personal loan se EMI. fir poora discount usme hi ghuss jayega.
jo bhi ho, car thoda zyaada ho gaya jaise ki toffee hai jo roz khareed rahe hai
@@junglee-bee are cradit card usse le liye achha hai jiske bank me credit ho cradit card ka use sirf cashback ke liye karna chahiye
The problem is showoff like purchase iphone , but he/she cant afford it , credit card is good financial instrument but some brainless people try to showoff , they fall on this interest trap , i used a card since 2020 every month i pay my amount bill get discount and extra rewards which make me profitable
Which bank Credit card on you?
Simple trick hai, maine to mere max bill amount jitna paisa alag se ek account mai rakha hua hai(in case kabhi koi emergency aa gyi), itna karlo to use karte raho credit card, no issues
udharan samjho.....BIJLI KA Connection liya hai ... toh bill toh bharoge na... nahi bharoge toh pta kya hoga ... hai na... waisa hi kuch hai credit card....
istemal karo aur jitna bill aye utna bharo.... jydaa bill toh kam istemal karo.... nhi toh connection kat jaega... aur raat main bina pankhe ke sona.... nhi toh kya dikkat hai.... dikkat toh hum hi hai.... jo jyada bijli kharch kargenge phir bharne ke time rone lagenge.... kyon bhai sahi kaha na.....
IN SABSE BACHNE KA TOH EK HI TRIQA HAI JII
Credit card 💳 ek wealth hai agar sahi se use kiya jaye😊
2021 me mai kuch bhi nahi kar raha tha but mere paas 4 Credit cards the aur total limit 5.83 lakhs thi
Fir maine risk liya aur 2.50 lakh ka loan liya aur Credit card ka use kiya aur business start kiya aut ab mera business 52 ya 53 lakh ka hai mera market me 19 to 20 lakh Credit bhi hai
Business duroflex foam
And sofa fabrics
Credit card is either your best friend or the worst enemy. Depends on how one uses it.
Aaj kal aapka video youtube mujhe suggest hi nhi krta hai.. 😢... Channel Search kr ke aana padta hai
Subscribe ka naam suna hai? 🤔
@@thoufeequeabdulrahmanrafiq4438 😂😂😂 bss kr bhai
@@thoufeequeabdulrahmanrafiq4438 😂😂😂 Suna Hai
The title is in a way, misleading. Credit cards won't make you poor if you know how to use them; in fact, I make roughly 7% back on my spends using credit cards. Only spend what you can pay back at the end of the billing cycle. This is one thing I like about Charge cards vs credit cards.
How bro?
Great Videos You Make Sir
What a detailed review Broo❤❤
Bro what happened to you thumbnail.
From masterpiece to newbie?
Aditya bro ka downfall shuru ho gya, Thumbnail gaya, editing gayi etc etc
@@Be_Shrav ikr. Old aditya editing was OP.
After this video i had cancelled unnecessary item order thankns bhai
Very nice tips.. btw I have never bought a credit card ever in my life.. that's self control.. though I keep getting calls from my bank.. I always use upi
You don't know how to spend and be financially free
@@user-qm6ns9er8n I spend a lot.. but using netbanking and upi..
it's all about financial education. I have also cards worth rupees 15 lakh, aaj tak koi payment miss nahi ki, kabhi kuch EMI pe nahi liya, or fayda hi uthaya he jaise points redeem, offers etc.😊
to problem Bank ya Credit card mein nai hai. Problem logo ki soch mein hai. If used properly in a disciplined way then credit card is the best thing. I use Credit card for my day to day transactions as much as possible but make sure to use it responsibly and not overuse it. Obviously being a human i do tend to over spend couple of times sometimes but still make sure i calculate my finances before spending that amount. So yea it does make you spend more sometimes as it is giving you that convenience of purchasing on emi and credit period but it is still a win win if used properly.
maine 16 lakh ka education loan liya hai bhai saare top companies to aa rhe hai or me reject ho raha hu cgpa bhi 8 hai par coding and dev me utna dhyan nhi diya hu isliye reject ho ja rha hu btw sbi non collaterol loan hai so a bit relaxed
16 lakh ? Kaun sa course Kiya tumne? Itna jyada paisa laga
@@rockstar19909 btech cse from bit mesra ranchi sala 1.5 lakhs wala company ate ja rha oncampus or gpa wise me sabme eligoble par 3 months summer break maine waste krdiya bro isliye intern nhi lag payegi placement me try krunga
@@rockstar19909 btech cse from bit mesra ranchi sala 1.5 lakhs/months wala company ate ja rha oncampus or gpa wise me sabme eligoble par 3 months summer break maine waste krdiya bro isliye intern nhi lag payegi placement me try krunga
@@rockstar19909 koi masters course hoga usmei lagta jaise mba.
Great analysis 👍🏼
Very very nice information sir god bless you
Bat bilkul shi hai.. pr credit card ek do dhari talvar hai.. mere se bhi 1-2 bar mis use hua hoga pr me puri koshish krta hu ke card ka misuse na kru
Good video thanks for information
I have 4 credit cards I never pay a singal rupee to bank because I pay my full bill, Also I pay all my utility bills like Electricity, Gas etc. Which give me 5% cashback, so I save 1000 + every month ❤
I also trapped in CC spending
In sabke peche hai chavark darshan yani udhar lo aur ghee piyo ka philosophy ❤ 3:14
Credit card limit apne salary ke equal ya usse km rakho
This has been very very insightful
Back ground me kuch sound lagao or dikhao dhurv rathi ki video ki tarah
Credit Cards are all about Financial Discipline..... Spending according to bank balance and paying Total Amount Due are the only 2 practices required....
Excellent video! Very useful for those using credit cards and those planning to get one.
Thanks for making this video for young generation its help a lot.😊
Sbi is a government bank 🏦 please correct the information
I can relate with my Flipkart pay later 😅
Overspending and online shopping addiction is very real with availability of credit cards
Bhai mera HDFC ka 10 lakh ka limit hai, mera outstanding iss mahine ka sirf 550 rupay hai, woh bhi isliye use kar raha hoon, kyunki 200 rupay minimum kharcha karna padta hai. Main 15000 ke phone se chat kar raha hoon. Kya main iphone nahi khareed sakta hoon? Main nahi khareed raha hoon!
Same here bro.
I have 8 credit cards total limit worth 16-17L but this month my total bill is less than 7k(including 2.5k for discounted groceries and rest for broadband recharge, LPG booking etc etc)
People often criticise CC but in reality their spending behaviour is the main problem not CC.
I have question. ….. jaise aapka limit 10 lakh hai aur aap kam use karte ho, toh kya possible hai bank aapka limit decrease karde? Or it depends on relationship with bank ? Thanks
@@harrybenipal2596 Nahi, decrease koi bhi nahi karta. Woh toh chahte hain, ki aap zyada se zyada use karo, aur unke interest ke jaal mein faso.
@@Arya_Rajput131 Bhai meri salaah maan toh 8 mat hi rakh. 3 to 4 is fine. Mere paas 1 hai 10 lakh ki limit ka. Upar se 9 lakh Jumbo loan ka offer bhi rehta hai hamesha. Lekin 45000 salary hai, usme 15000 rent hai, 30000 mein baaki sab chal hi jaata hai. Kya zarurat hai mujhe aur kisi ki? I have a motorcycle which is 12 years old and discontinued. Car thi without finance, woh covid ke time bech di, kyunki financial issues the. Aise hi kaat peet ke chala raha hoon. Mujhe car chahiye hai, uske liye car loan lene se achcha, mutual funds mein invest kar raha hoon, taaki utne paise jam jaaye aur car le loon aur woh bhi 2nd hand.
@@Arya_Rajput131 Log itne chutiya hai na bhai, ki car leni hai, vehicle finance lene jayenge. Jab ki, 2 saal paise mutual funds, long term shares mein invest karo, aaram se paise jam jaate hain, aur aap down payment karke, woh car without finance khareed sakte ho. Lekin nahi! Gaand mein khujli zyada.😂😂
very infomative.Thanks for the information
Thumbnail thoda aur catchy hona cahiye tha
Thanks for valuable information
Le me who pays when outstanding amount shows 😚
😂
Brother be careful from Banks 😅 because you are exposing the credit card traps 😊
Amazing ❤
Same information shared multiple times in this 37 minutes video.... :(
However, I have around 8 credit cards and ZERO outstanding balance on all the cards.
Mere pass WMB gadi hai lekin credit card nahin hai😢
Main bana sakta hu credit card apka
BMW suna h. Bc ye WMB kya h?
Bro what happened your thumbnail
I think Aditya bro ka downfall shuru ho gya, Thumbnail gaya, editing gayi
Bhai yeh cheez maine feel kari hai isliye main ab sare expenses ki ek notion file bana li hai aur utna hi kharch krta hu jitna wapis de saku
Har ek cheez ka Good or bad side hain iska matlab ae toh nahin ki credit card kharap hain ... Kharab hain uska habit ....Sahin se sab rules padke use koro koi loss nahin ... Ulta cashback mil jayega....
Very nice information....But for just 8L giving his life is biggest lost which can return. We have grate life we should be smart on our spending.....
5 sal
26 card
0 payment failed
30k+ saving ever month
Use Credit card smartly
I agree
Bit explain bro
30k+ savings monthly kaise aapne kar leya?
Maine kuch month pehle ek 10k ka tab purchase kiya, 2k instant discount mila icici card se, So jo payment mai cash mai kar hi deta, mere paas 10k hai pocket mai, usko maine credit card se 8k mai liya, 2k instantly faida hua. Aur 10k maine to save karke hi rakhha tha, to usme se 8k to pay kar hi dunga na.
Mujhe to dikkat nehi dikha, haan scam vagera se thoda savdhaan rehna zaruri hai offcourse.
True word of caution
Dont use more than 25-30 % of the limit and payment capacity.
Always ensure that pay in full.
If u believe you cant pay in full to one percent also then please dont buy on that card. Its illusionary comfort that they give create false security for over spending.
What he said is true that it creates addictive shopping but the control of it is important to ensure the happiness of self and family.
Everything's good until it will be an addictive.
Bro do BlackBerry business case study why they failed....
i have closed my 3 credit card in last 1 week...
8.54 Editing Mistake 😶🌫️
Basic Rules ---- Credit Card sabke liye nhi hota hai.... use debit card instead...... sab ke apni pasnad hai.... Credit Card samajh nhi atta toh best don't use it.... hum jaise kapde choose karte hain... jaise kissi ko white shirt pasand hai par tumhe toh black pasand hai so it's your choice.... not compulsory...
useful for students only to pay their college fees when you don't have large sum of money in short period of time.... but you have the money ....to pay in a week if you don't have money then don't use credit card.....
Jo bhi ho... lekin bank account se pay karte waqt jo hurt feel hota hai wohi baat hame unwanted spend karne se bachaati hai..
i think you should focus on making small videos on such topics nobody want to goo this deep. 15-20 min videos on such topic is enough.
Mere pass 10 se jayda card he koi problem nhi hoti agar sahi se use kare credit card se best kuch bhi nhi he...bohot bar bure time me sath diya....mata ji Hospital me thi tab kaam aaya finance problm thi tab kaam aaye....personal loan se best hota he credit card
Good facts, bank wale card upgrade ke nam pe free card ko paid card pe convert karwate hain
Hamare credit card transaction se bank kisina kisi se 2% charge le Raha hi hi hota hai.
INFORMATIVE ❤️❤️❤️
Nice explanation
Isiliee mai amazon flipkart me notification off karke rakha ta hu lol
Me uninstall rakhta hon
Easily nahi milte bhai credit card
Spend on only what is necessary. Take Life time free credit cards. You'll always enjoy 40 days Interest Credit. No need to pay a single penny to bank but it will benefit you
Dhanyawad sir
Thank you so much brother for very very important information ❤🫡👍
why very few views these days. bit concerning
Waste of breath. Use only debit cards. Sleep soundly.
Please make a vodeo on hidden charges of Fixed Deposit ( FD) ☑️
Dear Aditya, here are five influential world leaders. Please cover each one in detail as they are making a significant impact on the world: 1. BlackRock 2. Vanguard Group 3. Fidelity 4. State Street 5. JP Morgan Asset Management
Love ❤️ from india jharkhand jamshedpur jugsalai chaprahiya mohallah home town Bihar Chapra jila gram khanpur ekma 0:24
Bhaii use krna anaa chhaiye..... Chahe limited 5 lakh ho yaa 50k but hamesa jitna chuka sako utna hi krommm
❤sir thora jaldi video lane ka koshish Karo please
❤sir please Sandeep Maheshwari podcast me jao aur knowledge share karo please request hai sabhi aapke audience ka
Stop spreading fear in people
I have not even paid a single penny in intrest to yhe bank.the offers i get are mind-blowing.
Make a vedio on hdfc rupay credit card please brother full information chaye
Mera sab saman cart mein hi rehjata hai kabhi order nahi hota lol
aam aadmi credit card kaise banwaye
Bank me jaa kar bolo Ghar pahuch jayenge dene k liye
Mai bol rahu Credit cards Mt banwao Credit card ka lat bhut khab hai dost bhul kar bhi nahi lena
Nice🎉🎉🎉🎉🎉🎉😢🎉
Credit card are only for disciplined clever users, its not meant for everyone. You must think a 100 times before applying for a credit card.
16:8
REDMI NOTE 10S WALE AAJAO 😂😂
❤️ Kalyug ❤️ ke ❤️ Krishna ❤️ Sri ❤️ acharya ❤️ Prashant ❤️ ji ❤️ ki ❤️ jai ❤️ ho ❤️ 0:44
Brother, whatever you have said it’s true
Mujhe axis bank wala credit card deta hi nahi😂😂😂
Coming Soon! The Sandeep Maheshwari PODCAST.. Sir Kindly go there and share the business & other secrets@Aditya Saini
❤yes sir please go Sandeep Maheshwari podcast please I love you ❤
I appreciate it, for approaching your favourite creator. 😊
D3
here here
20:00 like UPI 😢 kharcha jyada ho ra hai pata hi nahi chalta 😅
I can't find your channel because u change the logo and i haven't subscribe u yet