Having a credit card is useless then. Hold money for all month and pay bills before the due date I pay 5 days before due. That's a killer option I use.
not just 30% rule. They will also see if your utilization is inconsistent with your previous history. If you have bumped up utilization this month compared to previous few months that will also result in dropping of your credit score by some points. I have experienced this.
Same hear bro experience valo ne mera credit score 30 point drop kar diya....I don't cross 30 % limit of credit but ....i generally cros 10 ...so they are dropping points
@@bekifaayatiI have HDFC tata neu plus credit card but the rule of the card is Rs 499 annual discount on transaction of Rs 1 lakh but before I get bill generated If I have paid each month's bill in advance, will the bank discount the annual charges? Every month my bill generated is 4500-5000 rupees.
@@ashismajumder3675 it doesn't depend on bill generated it depends on total spend on your credit card must exceed 1lakh in one year and your fee will be weavier
आपके समझाने का तरीका बहुत अच्छा रहा स्पष्ट रूप से जानकारी मिली इसी तरह की जानकारी देते रहे आपकी आवाज बहुत मधुर है मुझे आपकी सारी वीडियो अच्छी लगती है नई जानकारी मिलती है धन्यवाद❤🎉
point1 is wrong info even if i have multiple cards total of 5lakh limit and if i have a credit card of maximum 1 lakh limit and if i utilise 80k in the same card credit score will drop because 30% is calculated only with single card and not the total limit (Multiple cards) i have a proof for this
I took credit card a couple of years ago to build credit score. But kinda got a bit lucky later and earned quite a lot. Now, I don't think I ever need to take a loan, lol. So, cibil score kinda doesn't matter for me now, I think. Just using credit card for the 1 month free interest, lol.
The title of the video doesn't match with the video content. I still didn't get any answer on when should I repay my credit card dues. I don't want to know the bill generation date, I want to know the bill payment date as said in the title of the video.
Bro take i simple example like your bill date or a statement date is 15 of every month then the shopping that you do 15 April then next month i.e 15 may will be the bill generated date then after bill is generated about 20 days Bank will provide a time period to pay that bill but my point is that you should keep in mind that you have only 15 days so you have to pay on 30 may then this cycle give most benefit to you because you use that money about 45 days. Hopefully I am correct if not then please tell me also .
I always pay before bill generation. So that my statement always comes zero rupees. It is a trick to get credit card offers for payment but reduced credit utilisation ratio to less than 10%
Earlier I used to keep my utilisation between 10 to 20% and my CIBIL was around 773 this month my utilisation was 60% and my CIBIL went to 781 after fluctuating between 773 and 774 for 1 and half year
Why in your community website always says we ran into a problem your ip addresse is banned it says in my Home and friends allk phone and laptops over wifi and internet also
Me shopping krke jesa mall se bahar ata hu to mera bill ban chuka hota hai, sidhaa gadi me beth kr pehle pytm se credit card bill krta hu. Same day hi bill pay kr deta hu, statement banne ka time hi ni deta me
Bhai sun sab udhar ke liye cc use krte hai, me reward, discount, cibil bnane ke liye use krta hu, direct bank account se shopping krne acha cc se shopping kro. Kuch upgrade hi hoga, galat nhi hoga
It's very opaque and unreliable score which is unfortunately given such an importance by financial institutions. They are not able to resolve basic things like When 2 banks merges, new bank account is duplicated and old bank account remains active even after closing the actual account.
Hello didi please reply. Dena mere pehli baar use kiya hun Mera. Credit card. Me 20.k ka limit tha 15 use kiya hun 2 tarik ko. Mere ko kab peyment krna chahiye. Please reply dena
Hi Ma'am, I am following your videos for more than couple of years and I really appreciate your work 😊. I have a question of which I am unable to find the answer after my utmost efforts. I hope you reply 🙏. How much time will it take for you to build a fair cibil score if you haven't took or borrowed any kind of bank loan in your life. Please make a video on this topic too. Thank you❤
esa nahi hai ..jin ko cibil reports padhna ata hai wo khud dekh sakte hain date reported and certified bol k option ata hai report me.. and hr bank time to time change kar ta reheta hai
I have a doubt I'm an sbi cc user and my statement comes on 17th and due is on 7th of next month. So if i pay my dues before 7th but i have used above 30% of cc after the 17th(unbilled), will my unbilled transaction be reported to cibil post 3 days of due date ?
ICICI ke Amazon pay credit card ne Mera civil 880 pahunchaya. Lekin Jaise hi maine ICICI and Kotak ka credit card band karaya aur uske sath sath HDFC credit card ka 99% utilisation Kiya aur uske sath sath Bajaj auto finance se gadi finance karaya Mera cibil 150 points gir gya
Please help, what is the effective date of RBI guidelines on 3-days grace period after the due date of credit card bill. I have checked that Card- issuing bank has charged me with late fees for payments made on Due Date + 1. I wanted to check when the RBI guideline came into effect so that I can follow up with banks accordingly. Many thsnks
Mai toh ulta credit card ko jaada de kr rakhta hu😂phir mera cred score 810 m fluctuate krta rhta h...ek saal hi hue hai use kiye....jaise 100k limit h mai 30-40k use kiya product deliver hua payment kr diya ulta 2k-3k jaada kr diya phir cashback aaya uska 2k jaise wo alg....😂
![💰 [REVEALED] YouTube income at 50 MILLION views per month!!](http://i.ytimg.com/vi/r8dSD5qNUe8/mqdefault.jpg)
i subscribed the channel a minute ago the imformation was awesome..keep going team bekifayati..
Thank you 😊🙌
Same 😊
Nicely explained
Thanks for the information didi 😊
Welcome 😊🙌
@@bekifaayati thank you so much 😊
@@bekifaayatima'am indusind ki date plz
@@bekifaayatiSBM Credilio ka date konsi hai
@@bekifaayatiSBM Credilio ka date konsi hai
Purchase anything and pay your bill after delivery of product or within 3-5 days.
Haa toh cheque se payment kar tu bhai
@@hrishabhjain933 Paisa nehi hai to mat kharido, simple, or paisa hai to payment kardo do. Credit Card ki discount or cashback milegaa
😂@@hrishabhjain933mgr ku?
Having a credit card is useless then. Hold money for all month and pay bills before the due date I pay 5 days before due. That's a killer option I use.
😂😂😂😂 @@hrishabhjain933
30 seconds video turned into an 8 mins one
But i bet you have to spend more than 8 months or years to check this data that it is correct or wrong
@@sweetbunny321 Simp hai ye to
This is called talent😂😂
not just 30% rule. They will also see if your utilization is inconsistent with your previous history. If you have bumped up utilization this month compared to previous few months that will also result in dropping of your credit score by some points. I have experienced this.
Same hear bro experience valo ne mera credit score 30 point drop kar diya....I don't cross 30 % limit of credit but ....i generally cros 10 ...so they are dropping points
Very true 😅
Brother that is why she is saying pay before bank share data to credit Agencies....
Me too
Yess i hv also faced this issue
Great video.
This was very much informative and useful.
Thank you 😊🙌
@@bekifaayatiI have HDFC tata neu plus credit card but the rule of the card is Rs 499 annual discount on transaction of Rs 1 lakh but before I get bill generated
If I have paid each month's bill in advance, will the bank discount the annual charges? Every month my bill generated is 4500-5000 rupees.
@@ashismajumder3675 it doesn't depend on bill generated it depends on total spend on your credit card must exceed 1lakh in one year and your fee will be weavier
Very good info, thank you for knowledge mam
आपके समझाने का तरीका बहुत अच्छा रहा स्पष्ट रूप से जानकारी मिली इसी तरह की जानकारी देते रहे आपकी आवाज बहुत मधुर है मुझे आपकी सारी वीडियो अच्छी लगती है नई जानकारी मिलती है धन्यवाद❤🎉
Welcome 😊🙌
Hi, does total limit includes cash limit too?, my credit limit is 50k and cash limit is 20k, , so 30%of 50k or 70k, please reply@@bekifaayati
मुझे इंग्लिश नहीं बनती है हिंदी में जवाबदो आप बहुत अच्छी हो खास आपके तरह मेरी भी क्लास टीचर हो तो अच्छा होता
हिंदी मीडियम
point1 is wrong info even if i have multiple cards total of 5lakh limit and if i have a credit card of maximum 1 lakh limit and if i utilise 80k in the same card credit score will drop because 30% is calculated only with single card and not the total limit (Multiple cards) i have a proof for this
Thank you🌹🌹..
Yes right
No you’re wrong! She is right.
Who told you brother?? Have you ever checked your credit report??
You are right, I have checked once
The best financial informative concern video,,, Good job 👍🏻👍🏻👍🏻
Thank you 😊🙌
Very interesting data !! Mind blown.. thanks
Welcome 😊🙌
I love your creativity ❤️❤️❤️😊 thanks alot
Welcome 😊🙌
Thanks A lot Bekifaayati ..👌👍
Welcome 😊🙌
This is the unique and very important information about credit card thankyou
Welcome 😊🙌
Nyc efforts 👌
Thank you 😊🙌
Super Video. Keep it up 👍👍👍
Thank you 😊🙌
Excellent information Very useful 👌
Thank you 😊🙌
Punjab National Bank ki date bata dijiye kitni he pnb kb credit utilisation ki date kb credit agency ko share krta he plz
I took credit card a couple of years ago to build credit score. But kinda got a bit lucky later and earned quite a lot. Now, I don't think I ever need to take a loan, lol. So, cibil score kinda doesn't matter for me now, I think. Just using credit card for the 1 month free interest, lol.
Nice Vdo.. Thank 4 Information
Welcome 😊🙌
Thank you for sharing about card, loan etc... knowledge...
Please share IDFC and INDUSIND bank credit card reporting date.
Insightful. Credit jargon. 👍🏻
Thank you 😊🙌
❤wonderful video real educative
Thank you 😊🙌
🎉🎉 naye kanun per ek video jo ki 2024 ke new credit card information.full longh video ho ni chai ye .🎉🎉mam😊!
We will try to cover this in our future videos.
nice insights 😄
Thank you 😊🙌
4:00 where is Punjab National Bank ?
PNB reports to CIBIL on the bill generation date ..so pay before bill generation date
Are you sure 30% rule is on all the cards combined or each card individually??
Yes
The title of the video doesn't match with the video content. I still didn't get any answer on when should I repay my credit card dues. I don't want to know the bill generation date, I want to know the bill payment date as said in the title of the video.
Bro take i simple example like your bill date or a statement date is 15 of every month then the shopping that you do 15 April then next month i.e 15 may will be the bill generated date then after bill is generated about 20 days Bank will provide a time period to pay that bill but my point is that you should keep in mind that you have only 15 days so you have to pay on 30 may then this cycle give most benefit to you because you use that money about 45 days.
Hopefully I am correct if not then please tell me also .
Amazon Pay ICICI Credit Card report date is 30/31st
Good credit score Video 🎉🎉Video nice
Thank you 😊🙌
Will you please tell on which date of month union bank share credit utilisation to credit bureau? Please reply
Thank you di😊😊
Welcome 😊🙌
Very good information
Thank you 😊🙌
I always pay before bill generation. So that my statement always comes zero rupees. It is a trick to get credit card offers for payment but reduced credit utilisation ratio to less than 10%
What about IndusInd Bank ??
very informative
Thank you 😊🙌
Indusind bank: 30/31st
Citi Bank: Bill Generation Date (May not be relevant from tomorrow)
Information is too good
I had multiple bank cards but dont growing my cibil iam using only 10 to 15 percentage of credilimit what is the problem ??
3:03 yeh data Technofino channel ne pehle hi diya hai
2:58 , any idea about HSBC cc ?
HSBC reports as on 30/31st data to CIBIL
Next time kindly mention about Canara bank credit card thank you for such information shared with us. 😊
We will try to cover this in our future videos.
This will boom in credit score 😊
I don't think aap exact date bata sakte ho ki bank konse date pe data send karti ha cibil companies ko🙏🙏🙏
One score par check karlo dikh jata hai ki kis date ko kis bank ne cibil ko report kiya hai
Earlier I used to keep my utilisation between 10 to 20% and my CIBIL was around 773 this month my utilisation was 60% and my CIBIL went to 781 after fluctuating between 773 and 774 for 1 and half year
🎉same huya
It reflects after 3 months
My 882 bro
@@A.kumar11 You pay after bill generation?
What if i have due date 10 or 20 for HDFC bank?
Me jo bhi creadit card apply karta hu vo sab reject ho jaate hai , mera cibil 766 hai fir bhi
771 ke upar kr
apply for onecard, its beginner's friendly card. later you can apply for other after few months
dont apply frequently
@@prasannakamath9972 bro one card to fd karne ko bolta hai , maine ek ke baad ek sare cards ke liye Apply kar diya tha
FD kra lo ase nhi milega Mera 800 h fir bhi nhi de rhe h mere ko
SBI Credit card ka Bill 4 din late bhara toh 800₹ panelty laga Aur 48 points Cibil score down ho gaya...
😢😢😢😢
what is the time for hsbc credit card?
now I understand why my credit utilization is 16 % on CIBIL and 8% in experian
Give example with date for SBI Credit Card
Could you please create a video about the Jio finance account? Thank you!
Sure, we will try to cover this in our future videos.
Why in your community website always says we ran into a problem your ip addresse is banned it says in my Home and friends allk phone and laptops over wifi and internet also
Me shopping krke jesa mall se bahar ata hu to mera bill ban chuka hota hai, sidhaa gadi me beth kr pehle pytm se credit card bill krta hu. Same day hi bill pay kr deta hu, statement banne ka time hi ni deta me
To buai cc se shoping kyo??
To kya arti utarne ke liye cc rkha hai
Bhai sun sab udhar ke liye cc use krte hai, me reward, discount, cibil bnane ke liye use krta hu, direct bank account se shopping krne acha cc se shopping kro. Kuch upgrade hi hoga, galat nhi hoga
@@SacchBolunga Me also using for cibil. 👍
It's very opaque and unreliable score which is unfortunately given such an importance by financial institutions. They are not able to resolve basic things like When 2 banks merges, new bank account is duplicated and old bank account remains active even after closing the actual account.
Perfect because isme se 3 bank ko chod sare credit card ko use krta hu🎉❤❤
Can I know canara bank?
Excellent G
Thank you 😊🙌
why bro....
ur mic is branded but what happened to the sound....too low
Mam what about SBM card !!!
Can you please cover standard charted and indusind banks
We will try to cover this in our future videos.
Hello didi please reply. Dena mere pehli baar use kiya hun
Mera. Credit card. Me 20.k ka limit tha 15 use kiya hun 2 tarik ko.
Mere ko kab peyment krna chahiye. Please reply dena
Any idea about HSBC ?
❤gajab ki chiz❤
Hi Ma'am, I am following your videos for more than couple of years and I really appreciate your work 😊. I have a question of which I am unable to find the answer after my utmost efforts. I hope you reply 🙏. How much time will it take for you to build a fair cibil score if you haven't took or borrowed any kind of bank loan in your life. Please make a video on this topic too.
Thank you❤
We will try to cover this in our future videos.
6 months
Is it applicable for FD backed credit card?
Yes .. Applicable to all sorts of credit cards & credit utilisation systems
I pay the bill of my cc after 30 minutes when i spend the money on any marchent 😅
Your score?
@@aronbtw1007 cibil 790 experience 820 🥹
Score batao
-250
@@aronbtw1007 cibil 780 experien 820
esa nahi hai ..jin ko cibil reports padhna ata hai wo khud dekh sakte hain date reported and certified bol k option ata hai report me.. and hr bank time to time change kar ta reheta hai
So can't follow it???..
I have a doubt
I'm an sbi cc user and my statement comes on 17th and due is on 7th of next month.
So if i pay my dues before 7th but i have used above 30% of cc after the 17th(unbilled), will my unbilled transaction be reported to cibil post 3 days of due date ?
Your billed transaction
Emi pe kuch liya hai credit card se tab mam ???
ICICI ke Amazon pay credit card ne Mera civil 880 pahunchaya.
Lekin Jaise hi maine ICICI and Kotak ka credit card band karaya aur uske sath sath HDFC credit card ka 99% utilisation Kiya aur uske sath sath Bajaj auto finance se gadi finance karaya Mera cibil 150 points gir gya
What if someone changed the billing date?
Lekin unka kya jisne card limit ka 90 card par loan le rakha hai???
CC pe loan lene se credit score Kam ho jata hai. Lekhin, aap loan EMI pay it on Bill Generated Date only. It will slowly increase your Cibil Score
@@prashanthmba Ji bilkul...
SBM Credilio ka konsi date hai
I also want to know when does SBM bank shares its data with credit agencies
Kotak ki to due date hi 23 hai mam So 30 ko kaise pay kare?
Advance payment sey kitna points milega?
Please help, what is the effective date of RBI guidelines on 3-days grace period after the due date of credit card bill.
I have checked that Card- issuing bank has charged me with late fees for payments made on Due Date + 1. I wanted to check when the RBI guideline came into effect so that I can follow up with banks accordingly. Many thsnks
Insider information 😅
CIBIL update nahi ho raha to kya karna cahiye
I spend 2crs annually for feed purchases for my dairy farm business . Which card should i take for best cashback?
Amazon pay ICICI bank CC
Indusind rupay credit card kab report krta hai cibil ko
Can I pay axis credit card bill from cred app ass this not listed on BBPS ?
Yes you can , i am paying my axis card bill on cred app .
What about InsdusInd bank
sbi ki timing sub se sahi hai.. humare payment karne k baad report bheji jati hai...
Konsi date ko. Maine due date ke 3rd day pe bhara tho late chala gaya cibil pe
Mam sbm bank ke one card ka date khay hai sharing data with credit score company
What about SBM bank?
Thank you
Welcome 😊🙌
Can you please cover Punjab National Bank
Sure, we will try to cover this in our future videos.
How much credit cards one should have?
It's upto you how much u can maintain
Paisabazaar step up credit card SBM bank konsa day hai ??
Indasind Kab karta hain ?
Mai toh ulta credit card ko jaada de kr rakhta hu😂phir mera cred score 810 m fluctuate krta rhta h...ek saal hi hue hai use kiye....jaise 100k limit h mai 30-40k use kiya product deliver hua payment kr diya ulta 2k-3k jaada kr diya phir cashback aaya uska 2k jaise wo alg....😂
Does this apply to FD credit cards?
Yes...FD credit card ar also the same
Total credit utilisation mtlb??
Credit card permanently block band karna h aur total payment one time karke finish karna h.baar baar payment nhi krna h ab
Kaise kya kare
Highly distinguishable analysis. The findings of presentation makes it more exclusive. My kindest regards to the team behind it 🥽🦋
Thank you 😊🙌
Punjab National Bank ka data shearing date kya h mem
Maam indusind ki date kyah
SBM KA TO APP NE KUC NAI BOLA😅😅😅
What about federal bank?
Mam sbm bank ka date bataiye please
Mere pass bhi h
mostly as SBI
3 days post bill due date!! And that will boost yur credit score !!! Wow 😂😂