Thank you so much sir for making this video .❤❤ Financial literacy is very important For us ( students and elders also) It would be great if you make more of this types of video.❤
As someone in the field of teaching, I can tell you, You are a socratic teacher, thank you! You just confirmed my thoughts about these things. I taught myself finance by researching overnight, thank you for being here for those who wanna do it right, you make it easy for them!
12:20 One thing to point out, there is no harm in checking your cibil score regularly it won't reduce it especially if you use apps like onescore or cred, don't trust bankbazar and stuff like that because they might call you multiple time for their products and send your data to other lenders., Also add on cards do not split the limit, they share the allocated limit
Correction: If you check your own CIBIL score, Its a Soft Enquiry, It doesn't affect your CIBIL Score. But If a card issuer or a lender makes an enquiry to check your CIBIL score, Its a Hard Enquiry and that negatively affect your CIBIL score temporarily
Thanks you very much....😊 I am watching this channel from a year ago and got too much knowledge about banking sector... That also helped me in building my cibil...
@@XYAxisEducation kuchh kuchh aise nbfc hai jo sirf apna fyda dekhte hai maine 3-4 jagah se online loan liya hai lekin abhi tak update nahi hua hai jab ki 3-4 mahina ho chuka hai
wow the way you explain is wonderful viewers like us would be happy to know about yourself your real life story like your actual profession before starting youtube channel
Appreciate the efforts but some information provided are wrong. For instance, Credit cards do get approved for students even if they don't have income documents and their credit score has not yet been generated, if they apply from a bank they are already maintaining savings account with (aka Pre Approved Credit Cards). Also, Checking Credit Scores by ourselves repeatedly does not damage the scores as they are called "soft enquiries" (Infact CIBIL itself provides a paid membership to check CIBIL scores unlimited times on their website). But when banks and other financial institutions check your credit score (Hard Enquiry), your credit scores are affected adversely. So avoid applying for credit cards/loans very frequently, each time you apply, the bank will do a hard enquiry.
Thank You Sir for delivering a great lecture on this topic . It was concise, easy to understand, and I can relate to each and every point. Again, thank you very much. Keep sharing such valuable information.
I just had my 18th bday on 11th of feb.. was watching which Bank is best for students from 3 days. And today i get this video . Perfect timing. Thank you for this video
Bhai jio payments bank Jupiter neo bank Kotak bank Ye teeno me open Kara lo online hojata hai with zero balance mere in teeno me account hai and really teeno best hai I am also 18 y.o.
This is one of the most important video for a 18+ student, in our education system we are not able to gain financial and relationship knowledge which is too important in the practical life.
Thanks bhya , that's a really informative video . 😊 But I wanna ask if someone ( salaried employee ) can apply for an Amazon pay ICICI credit card for a month " just to get the benefits for buying a device " . And cancel it afterwards .....while having another credit card from another bank .....Is this possible ? ....Are there any demerits of it ?
Can a CIBIL inquiry affect your credit score? Well, it depends on the kind of inquiry. Basically there are 2 types of inquiries which are factored in your CIBIL report - Hard and Soft. Only a hard inquiry can affect your CIBIL score.
@@attitudearpit2109 Soft inquiries are recorded when you view your credit report or a lender that you have availed from checks your credit report. Pre-approved loan offers can also lead to soft inquiry and these type of inquiries have no impact on your credit score. Hard inquiries on the other hand show up when you have applied for credits or loans. While too many hard inquiries may make you seem like a credit hungry individual, the impact on your credit score is not extremely severe.
Checking cibil score any number of times will not decrease your score.... please refer well..before mentioning such things brother... CIbil depends on 1. Payment, 2.utlilization, 3.credit mix, 4. No of enquiries
when u check credit score for urself it comes under soft enquiry and when any financial lending institution pulls ur credit score then it is hard enquiry ( which decreases credit score)
Thanks sir ,, from couple of days I literally became eager from credit but never applied for card I remember 3 months ago I applied for flipkart axis but got rejected and left there now I understood everything Thanks again😇😇
Thank you so much sir 🙏🙏! I was trying to apply for a credit card now but you taught me a cibil saver lesson and I will postpone my plan. Thank you so much...
![What Credit Cards You Should Have by INCOME? [Detailed Review]](/img/1.gif)
Thank you so much sir for making this video .❤❤
Financial literacy is very important
For us ( students and elders also)
It would be great if you make more of this types of video.❤
Same case
❤ yeah
Even teachers don't teach with the amount of passion and dedication you have. Amazing content.
Are wo kya btayege wo khud 0 knowledge rkhte h
As someone in the field of teaching, I can tell you, You are a socratic teacher, thank you!
You just confirmed my thoughts about these things. I taught myself finance by researching overnight, thank you for being here for those who wanna do it right, you make it easy for them!
Great man.. 0 cut in between the video.. 100percent fair talk.. Hats off to you sir
12:20 One thing to point out, there is no harm in checking your cibil score regularly it won't reduce it especially if you use apps like onescore or cred, don't trust bankbazar and stuff like that because they might call you multiple time for their products and send your data to other lenders.,
Also add on cards do not split the limit, they share the allocated limit
Correction: If you check your own CIBIL score, Its a Soft Enquiry, It doesn't affect your CIBIL Score. But If a card issuer or a lender makes an enquiry to check your CIBIL score, Its a Hard Enquiry and that negatively affect your CIBIL score temporarily
Thanks you very much....😊
I am watching this channel from a year ago and got too much knowledge about banking sector... That also helped me in building my cibil...
Thank you so much for explaining this in such depth and concern. Please keep releasing such amazing content.
One must watch this video! It's really factual and to the point. Thanks, Sir for coming up with such an amazing topic.
Thanku soo much.
Regards
@@XYAxisEducation kuchh kuchh aise nbfc hai jo sirf apna fyda dekhte hai maine 3-4 jagah se online loan liya hai lekin abhi tak update nahi hua hai jab ki 3-4 mahina ho chuka hai
@@XYAxisEducation please reply me 🙏🙏😭🙏😭
One of the most knowledgeable video for a teenager who didn't took any loan before
wow the way you explain is wonderful viewers like us would be happy to know about yourself your real life story like your actual profession before starting youtube channel
SBI cashback not available with FD
credit score will not impacted when we check our score ourselves many times
Appreciate the efforts but some information provided are wrong. For instance, Credit cards do get approved for students even if they don't have income documents and their credit score has not yet been generated, if they apply from a bank they are already maintaining savings account with (aka Pre Approved Credit Cards). Also, Checking Credit Scores by ourselves repeatedly does not damage the scores as they are called "soft enquiries" (Infact CIBIL itself provides a paid membership to check CIBIL scores unlimited times on their website). But when banks and other financial institutions check your credit score (Hard Enquiry), your credit scores are affected adversely. So avoid applying for credit cards/loans very frequently, each time you apply, the bank will do a hard enquiry.
I love your honesty for creating awareness among people.
Nice explanation bro ❤
Great Explanation 😍
Thank you so much sir, finally who is not hungry of views and actually cares about us ❣❣
Sir boht hi jyada acha gyan mila mujhe aaj.. Thankful to you
Wow...one in all vdo for students b/w 18-21 age... Got all my answers...thanks a lodddd sir...
Great work, carry on sir 👍🥳
ruclips.net/video/KFhfwNqzRRM/видео.html
Thank You For Explaining sir
I Appreciate Your Efforts
Very nice presentation 😊
Thank you so much sir we need this type of video ✅✅
Thank you so much sir. 💐
Thank you sir ❤ you are a good thinking man
Very informative video ❤❤
Thanks to u.,.... For giving us a piece of information in such senstive issues which we don't take seriously.
Thank You Sir for delivering a great lecture on this topic .
It was concise, easy to understand, and I can relate to each and every point.
Again, thank you very much. Keep sharing such valuable information.
Thanks bro ❤️ .
Your video is so informative keep going 🤓 :) .
I just had my 18th bday on 11th of feb.. was watching which Bank is best for students from 3 days. And today i get this video . Perfect timing. Thank you for this video
HDFC STUDENT ACCOUNT IS BEST
Bhai
jio payments bank
Jupiter neo bank
Kotak bank
Ye teeno me open Kara lo online hojata hai with zero balance mere in teeno me account hai and really teeno best hai I am also 18 y.o.
Same bday 11 feb
@@amanac7305bhai konsa hai account mene bhi jupiter meh banaya hai
@@Lakshya985 normal saving account bhai jupiter ka best hai
Thanks sir aapki video kafi ache lge or mujha really ak aise video ki jrurt the 😊
Thank you for information 💜💜💜💜
Informative videos ♥️
This is one of the most important video for a 18+ student, in our education system we are not able to gain financial and relationship knowledge which is too important in the practical life.
ruclips.net/video/KFhfwNqzRRM/видео.html
Ha yaar humara education system me aisi basics chise padhani chahiye
Thanks sir jo aap hamri financial awareness ko or achha kr rhe ho 🙏🙏🙏🙏🙏
ruclips.net/video/KFhfwNqzRRM/видео.html
Thank you sir for such type of great video❤❤
Thanks bhya , that's a really informative video . 😊
But I wanna ask if someone ( salaried employee ) can apply for an Amazon pay ICICI credit card for a month " just to get the benefits for buying a device " . And cancel it afterwards .....while having another credit card from another bank .....Is this possible ?
....Are there any demerits of it ?
Woh br thanks for your concern to help us
boht badhiya smjhae ho bhaiyya... first time ye logic mere mind me ghusa h
Genuine video ❣️
Thank you so much sir this information
Thank you so much sir ji you are a great influencer 🙏🏻🙏🏻💕
Can a CIBIL inquiry affect your credit score?
Well, it depends on the kind of inquiry. Basically there are 2 types of inquiries which are factored in your CIBIL report - Hard and Soft. Only a hard inquiry can affect your CIBIL score.
If Bank does inquiry then effect
@@attitudearpit2109 Soft inquiries are recorded when you view your credit report or a lender that you have availed from checks your credit report. Pre-approved loan offers can also lead to soft inquiry and these type of inquiries have no impact on your credit score.
Hard inquiries on the other hand show up when you have applied for credits or loans. While too many hard inquiries may make you seem like a credit hungry individual, the impact on your credit score is not extremely severe.
No ..
Thank you for teaching me about how to important cibil score is ig this video will help me alot in future
Im Always Waiting for your Video Sir😊
Thank you for giving us full information 👍
It was really helpful informative video.❤
thank you, very good video :)
This video packed much info love you sir 🤟
ruclips.net/video/KFhfwNqzRRM/видео.html
Thanks for educating us... It's really helpful🙏
Thank you sir you are great sir❤❤❤❤❤❤❤ 19:10
Thank u sir for this video. I really needed it.
Very knowledgeable video You are sharing very good things, keep it up🙏
Taja taja 18 sal ka hua hu❤❤❤❤❤
To tu freez me rha kar taja hi rhega 😅
😂😂😂😂
😂😂😂
😂
Mai toh saala 21 ka hogya hu abtk kuch nahi huya, soch raha hu 6k ki fd par IDFC WOW banva lu ya phir Paisabazaar Step Up cc
Thank you sir for the information ❤❤❤
Thank u for this important information
Sir, this is a very helpful video for students... Sir ek video different types of Credit card ke upar vi banaiaa
Thank you for genuine information ❤
Thankyou bro great explanation
Very helpful and useful
Good information sir 👍
Very nice information, thank you so much sir,,
THANK YOU SO MUCH FOR FINANCIAL LITERACY THAT I THINK EVERYONE SHOULD KNOW MOSTLY STUDENTS .....
Thanks for great information.
I really understand Financial literacy via you well
Appreciated 🙏
Checking cibil score any number of times will not decrease your score.... please refer well..before mentioning such things brother...
CIbil depends on
1. Payment,
2.utlilization,
3.credit mix,
4. No of enquiries
when u check credit score for urself it comes under soft enquiry and when any financial lending institution pulls ur credit score then it is hard enquiry ( which decreases credit score)
@@atharvasatpute1909 lol no...if you check from apps like one score, cred etc or even CIbil...it won't affect your score.. it's a myth lol
Thank you sir you earned a subscriber and a student today ❤😊
really infomative video
Thank you so much sir ......
U r great
Huge respect🙏🙏
I wish ki aap mentor hote mere....this video is very helpful...aise hi aap aur bnate rho....
Thanks, the information is so useful.
12:21 this is a myth... what is instead recommended is for you to check your score frequently so that you are aware
Best video on youtube.
Thanks sir❤❤
Verry nice information 👌 thanks
Aap sare questions clear kar dete ho thanks sir ❤❤
Thanks a lot sir... Helpful❤
Thank you for making this video ❤❤❤🎉
Very good 👍 briefing
Thanks sir ,, from couple of days I literally became eager from credit but never applied for card I remember 3 months ago I applied for flipkart axis but got rejected and left there now I understood everything Thanks again😇😇
Thanks sir bahut MST
very informative video sir
Thanks give such an amazing information to us nice motivation
Where is your city where you live make a video on your family home
Thank you so much sir for making this video 🙂🙂
Salute to you Bro..
Best video good sir , aap puri jankari dete ho
sir plz make a video in what is SIP
Bhai ap sach mein bhot acha knowledge deta ho aur sach bolta ho gbu❤
very knowledgeable video sir 👍❤️
Very informative
I'm a student. I don't know how, but I was pre-approved for an HDFC Bank credit card. I've been using it for a few years now.
Broo you are good.. Tnx tnx ❤❤❤
Check cibil score frequently doesn't decrease the cibil score.
Thank you sir for information
Ma abhi abhi 18 ka huya ya aour apply karna ka soch raha tha par AP na to Mera nazeria he Bala Diya THANKS ❤
Thank you so much sir 🙏🙏!
I was trying to apply for a credit card now but you taught me a cibil saver lesson and I will postpone my plan.
Thank you so much...
thank you bhai itni achi video banane ke liye❤️
Nice video you understanding people very people
Thankyou so much sir!! ❤
Kya genuine information diye yrrr respect+❤️