The same happened for me few years ago with Axis Bank NEO CC, I always pay exact amount what I use in the previous month and I never kept any balance as due. But one month I haven't used my card but received a due bill from the bank which I never used, I fought with the bank to close the card. They agreed to waive off the bill only if I continue to use the card, But I realized how the bank is manipulating it, so I decided to close by paying that unused balance amount of Rs.750 and surrendered the card. That was the 1st and last time I used the CC and stopped. Banks never entertain the customers who pays the every month bill completely bcz banks don't get any benefits, banks expect customers to pay the minimum balance on every month CC bill, so that the balance due would be eligible for attracting more interests and can push the customer into debt. Better pay every month the full CC bill amount, so that banks won't get any benefits out of you.
I'm also faced same issue with AXIS Bank. These banks are the worst 😒 My suggestion is don't fight with axis bank employee it's totally waste better pay the existing amount otherwise ur interest will increase like rocket speed. Note: As per bogan said, investing in something like SIP and taking the return. This will compensate ur money which you lost from bank
The real financial freedom is "கடன் இல்லாத வாழ்க்கை மட்டுமே" கடனோடு கறி சாப்பிட்டாலும் கசக்கும்- கடன் இல்லாமல் கஞ்சி குடித்தாலும் இனிக்கும் I have experienced a lot in my life where I lost every asset due this CIBIL called loan, emi, blah blah blah.. Don't go for loans, emi's Oru visiam venumna work panunga either smart or hard work, andha amount vachi buy panunga enjoy panunga,,, thayavu senji indha loan, emi, ituku pinati pogatinga😢 Money ah selavum panunga kooda save panna kathukonga..Bank , CIBIL, loan, emi, ellamey fraud thing..namala kadankarana vachika than itellam...neenga evalo earn panalum atula oru percentage off amount ah savings la potunga...best invest panunga that will give you a best return
NFO means New Fund offer Epdi pudhusa oru company exchange la list agura munadi IPO nu oru event nadakumo adhae mari Mutual fund ku nadakra event tha NFO. Pudhusa oru Mutual Fund launch pana porom, adhula bid panravanga panalam nu subscription panradhu than NFO. Adhula collect agura fund vechu than portfolio la investment panvanga. Adhuku apm than NAV nu solra net asset value form agum. Namma Mutual fund la invest panra lumpsum or sip amount lam indha NAV units la than allot agum.
சூப்பர் ப்ரோ நீங்க என்ன மாதிரி ஓசிங்காரிங்க ப்ரோ அந்த காலத்துல இதெல்லாம் இல்ல இப்போதான் எப்படி கொல்லுறான்னுங்க சூப்பர் வீடியோ ப்ரோ 🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝❤️❤️❤️❤️🤝🤝🤝🤝🤝🤝
This information is really worth, am in uk here this same transunion maintaining credit score system. We wont get credit card easily until we have to be live in uk more than 3years..
Your videos interesting...i follow all your vidoes...now a days...you are taking a topic without depth knowledge bro..please do spend decent time and study well before it goes to audience...hope you will take this as constructive feedback..there are a lot of corrections required in this cibil topic
Hi Ji, Am also facing same kind of problem which faced with Axis and loan, Please advice me how to take it forward, because of cibil score I was denied to get home loan and loan against property in SBI bank
The reason why credit score is calculated based on loan repayment is because your loan repayment ability is not same as your saving ability. Take your example. If a guy with 30 lakhs in bank account with no credit history applies for loan, bank doesn’t know his repayment ability. You told that the bank will ask to get a credit card and use for 6 months because he will develop a credit history and banks can understand that he is able to repay on time. If the guy after getting credit card spends all his money and abused his credit card, bank will of course reject because he doesn’t have spending discipline. If a guy with good investment discipline and has a bank account with 30 lakhs, he won’t abuse credit card. He’ll rather develop a good score.
. If a guy with good investment discipline and has a bank account with 30 lakhs, he won’t abuse a credit card. He’d rather develop a good score. Then why does he need to show a credit score .
Loan edukurathu thappilla.. But interest rate, best platform and safety first.. Itha paathu edukanum.. Of course they get profit more.. Nama onnume illama ethavathu seiyanumna loan mattum tha ore vali... Muneranum nu nenaikurathu perasai illa.. Na job panna ennoda family nalla irukum.. Business panni 4 peruku income kudutha 5 family nalla irukum... Do business with honest and ethics... Perusa munnera mudiyathu but can do... In my point of view Cibil system is good only... Ennoda marriage, bike, hospital expenses of my dad, baby delivery, business start up ithu ellame loan la tha panna mudinjathu.. I know i am paying more than i bought.. But advice pandra sonthangal panam kuduka varathu illaye.. Ithuku per perasaya?
@BigBangBogan Neenga advertise/Recommendation panra investment companies la neenga invest panirukingala? Atha pathi yen neenga solrathu ila? Also details on how much you've invested and under what plans. Also you should strongly recommend the people to read the Terms & Conditions fully and understand them before investing. If you're not doing this then its obvious that you're not a trustworthy person to recommend on investing.
The credit/Cibil score is NOT a measure of winning financially. It is 100% based on debt. The cibil/credit (or FICO) score is simply an 'I love debt' rating. No part of the credit score calculation even hints at how much wealth you have.
One of the bad things we do in India is keeping our paperworks up to date and monitoring cibil scores. Frauds happen when others use your pan card to get loans. That’s why monitoring ID important.
Bro credit card வாங்கி1 நாள் கூட delay இல்லாம (மாதம் நீங்க செலவு பண்ண வேண்டிய தொகை சுமார் 6000 பண்ணினால் போதும்) cibil 780 above இருக்கும். Personal loan 5lakh, 10 lakh வருவாங்க. மற்றபடி bank la பணம் இருக்கனும் என்ற கட்டாயம் இல்லை. ஆனால் credit card கட்டாயம் இருந்தால் தான் cibil ஏறும். Credit card இல்லாம loan வாங்கினால் அவ்வளவாக score ஏறாது. Credit card கிடைகிலேன்னா 20000 fd போட்டு secure credit card , வாங்குங்க.
100% true, credit card,loans are very dangerous,i also affected and releived from bank by selling my house and settled to bank idiots,now im homeless but happy without loans.
ஐயா என்னுடைய ஸ்கோர் நான் செக் செய்ய சென்றபோது ஒரு அதிர்ச்சியான தகவல் கண்டேன் என் பெயரில் பல பெயர் நூல்கள் மற்றும் கிளிகள் வாங்கி உள்ளனர் பலமுறை கம்ப்ளைன்ட் செய்தும் இந்நிலை மாறவில்லை
1. Correct ah 30L save panna oruthan, credit card misuse pannamaatan. Credit card correct use panna it’s a boon. 2. Savings konjam than pannanum but investment nalla pannanum. So savings is not correct. 3. CIBIL thappu sollalam but small loans and credit card correct ah use panni nalla score build panna, emergency or much needed time la kandipa loan kedachirum safe aikalam. BB ku pavam theva padratime la loan kedaikala pola. 4. Teach them to use credit card properly. Credit card statement once in a while correct ah watch panni, wrong transactions ah udane report panna seri aaga chance athigam.
Cibil is a good system to prevent fraudsters getting loan. So many farmers in India get loan and never repay. they wait for government cancel the loan. so Cibil monitors these kind of fraudsters and stops them getting free money from banks.
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kanyakumari mountain issue video poduga........
சமூக அக்கரை உள்ள ஒவ்வொரு குடிமக்களும் பேச வேண்டிய பிரச்சனை
#savekanyakumarimountains
I have lot of issues in this content
📺6:15 first Ad end,
10:24 Good information
Thsmk😅
உங்கள் அனைத்து வீடியோக்களையும் பார்க்கிறேன்.. மிகவும் தெளிவாக புரிந்து பேசுகிறீர்கள்..
The same happened for me few years ago with Axis Bank NEO CC, I always pay exact amount what I use in the previous month and I never kept any balance as due. But one month I haven't used my card but received a due bill from the bank which I never used, I fought with the bank to close the card. They agreed to waive off the bill only if I continue to use the card, But I realized how the bank is manipulating it, so I decided to close by paying that unused balance amount of Rs.750 and surrendered the card. That was the 1st and last time I used the CC and stopped. Banks never entertain the customers who pays the every month bill completely bcz banks don't get any benefits, banks expect customers to pay the minimum balance on every month CC bill, so that the balance due would be eligible for attracting more interests and can push the customer into debt. Better pay every month the full CC bill amount, so that banks won't get any benefits out of you.
I'm also faced same issue with AXIS Bank. These banks are the worst 😒
My suggestion is don't fight with axis bank employee it's totally waste better pay the existing amount otherwise ur interest will increase like rocket speed.
Note: As per bogan said, investing in something like SIP and taking the return. This will compensate ur money which you lost from bank
யாரெல்லாம் கடன் இல்லாமல் வாழலாம் என்று நினைக்கிறீர்கள்💪🥳🧐 like here....
Vaipilla Raja vaipea illa 8years munnadi ipaditha sollittu thirinjean nanum ipa macha konjam Kai mathi viduren 2k kodula nu month month samalichi odittu iruku valkai
na indha madhiri comments ku like pannama valanu nu nenaikuren..
I live within my means kanji kudithalum
Investment படிச்சி கத்துக்கிட்டு . Loan வாங்கி investment மட்டும் பண்ணுனிங்கனா பலமடங்கு லாபம் இசியா வரும்
Good content brother... As I was a banker in ICICI, what you said is correct...❤
The real financial freedom is "கடன் இல்லாத வாழ்க்கை மட்டுமே"
கடனோடு கறி சாப்பிட்டாலும் கசக்கும்-
கடன் இல்லாமல் கஞ்சி குடித்தாலும் இனிக்கும்
I have experienced a lot in my life where I lost every asset due this CIBIL called loan, emi, blah blah blah..
Don't go for loans, emi's
Oru visiam venumna work panunga either smart or hard work, andha amount vachi buy panunga enjoy panunga,,, thayavu senji indha loan, emi, ituku pinati pogatinga😢
Money ah selavum panunga kooda save panna kathukonga..Bank , CIBIL, loan, emi, ellamey fraud thing..namala kadankarana vachika than itellam...neenga evalo earn panalum atula oru percentage off amount ah savings la potunga...best invest panunga that will give you a best return
Thank you for your awareness 🙏🏻
Bro ad na, ad nu mention panunga bro, I'll just skip it 5:22
Thanks
நான் நல்ல சேமிப்பு வைத்து இருந்தேன் ஆனால் இந்த பேங்க் என்னை கடன்காரன மாத்திட்டாங்க, குறிப்பா இந்த கடன் அட்டை.
Good bro நல்ல அறிவுரை thanks 👍👍👍👍👍 jai hind 🙏
Educating people about using debts effectively is more constructive than avoiding it. Debt is a powerful tool when used properly.
Agree bro.. We have to use this in a proper manner
Nandri Thalaivare.... Romba Kapathuringa... 🙏
Bro please speak about the protein powder issue in the next video
Anna I'm from Andhra Pradesh please make a video about Mr. Anand Kumar who won a Padma Shri award. A mathematician educator in Bihar.
Requesting to show some demarcation between the ad and the orginal content. Maybe change screen colour/ have a kombu like Kadhala kadhala Kamal 😉
Bro, if possible please cut short ur contents below 10/15 minutes....
நன்றிகள் ஐயா வாழ்க வளமுடன்
open na pesunathuku salute brooo
NFO means New Fund offer
Epdi pudhusa oru company exchange la list agura munadi IPO nu oru event nadakumo adhae mari Mutual fund ku nadakra event tha NFO. Pudhusa oru Mutual Fund launch pana porom, adhula bid panravanga panalam nu subscription panradhu than NFO. Adhula collect agura fund vechu than portfolio la investment panvanga. Adhuku apm than NAV nu solra net asset value form agum. Namma Mutual fund la invest panra lumpsum or sip amount lam indha NAV units la than allot agum.
Namla mathri middle class nu ungalyum sethutingle. Ivalvu pechu pesi.. Rbi ombudsman, legal proceeds poiruntha compensation vangirklaam, avangalukkim nalla warning ah irunthrukkum.. elathukkum manithargalin uncontrollable desire thaan reason
ALWAYS QUALITY CONTENT BRO!!! claps !! 👏👏
இந்திய ரூபாய் தாள்களின் வரலாறு அதில் உள்ள விவரங்கள் குறித்து ஒரு பதிவு போடுங்கள் சகோ....
bro do a video about SIP investment
17:05 valid point
Thank you Bogan, it was very useful information, learntva lot of new stuff 👍
Bro nenga rolratu 100 correct illa credit card 2.5 Year use panren romba use full correct yaa use Panna atu oru super power bro 🙂🙂😎
True !!!!!!!
metamonkey - financial series la innium tetail ah pesirukkanga Bro. Please refer.
this is very usefull information
episode 5 paarunga
episode 5 - 10th mins la semma punch irukku
Hubble request: can you talk about KANNIYAKUMARI Mountain Mining isssuu.. Plz
சூப்பர் ப்ரோ நீங்க என்ன மாதிரி ஓசிங்காரிங்க ப்ரோ அந்த காலத்துல இதெல்லாம் இல்ல இப்போதான் எப்படி கொல்லுறான்னுங்க சூப்பர் வீடியோ ப்ரோ 🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝🤝❤️❤️❤️❤️🤝🤝🤝🤝🤝🤝
நன்றி
This information is really worth, am in uk here this same transunion maintaining credit score system. We wont get credit card easily until we have to be live in uk more than 3years..
Staying Discipline with CC usage also will help us in a great way
Nice இளைஞர்கள் யோசிக்க வேண்டும்
Ungal voice ku naan adimai broo i am big fan for your videos.
Perfect
Aryton senna full video pondunga sir
Thank you & completely I agree with you... Keep rocking 🔥💥👌🤝👍🙏✌
It's the same in other countries as well. Experian, Trans Union, all these have the same strategy, sometimes even worse.
Wow wow sema information El bro aadhikka varkkam poi edhu cibil varkkam pola...
Good information bro...💯❤️
eye opening for me
Superb content thala
Thanks for the info
100% government nambala dept laye vachi eruka than nennaikuthu neega solrathu crt
Your videos interesting...i follow all your vidoes...now a days...you are taking a topic without depth knowledge bro..please do spend decent time and study well before it goes to audience...hope you will take this as constructive feedback..there are a lot of corrections required in this cibil topic
Correct.
Good news 🎉
சூப்பர் தலைவா 👍 நன்றி 🙏
One of the best videos I have ever seen in my life. ❤
My score 764 iam using ICICI amazon credit card 🎉❤🤩
Hi Ji,
Am also facing same kind of problem which faced with Axis and loan,
Please advice me how to take it forward, because of cibil score I was denied to get home loan and loan against property in SBI bank
perfect explanation
Super bro
Very good information. ❤
Super sir
super bro
Unmai than anna❤
Malaysia also like that here v cl CTOS score
The reason why credit score is calculated based on loan repayment is because your loan repayment ability is not same as your saving ability.
Take your example. If a guy with 30 lakhs in bank account with no credit history applies for loan, bank doesn’t know his repayment ability. You told that the bank will ask to get a credit card and use for 6 months because he will develop a credit history and banks can understand that he is able to repay on time.
If the guy after getting credit card spends all his money and abused his credit card, bank will of course reject because he doesn’t have spending discipline. If a guy with good investment discipline and has a bank account with 30 lakhs, he won’t abuse credit card. He’ll rather develop a good score.
That's excellent mate, i have explained the same in my comments.
. If a guy with good investment discipline and has a bank account with 30 lakhs, he won’t abuse a credit card. He’d rather develop a good score. Then why does he need to show a credit score .
@@rajkumark6002 the bank does not care if you have crores in your account. It needs a history of proper debt repayments.
Thalaivare en feed la unga videos vara maatrudhu.....search panni dhaan paaka vendiyadha iruku.
Loan edukurathu thappilla.. But interest rate, best platform and safety first.. Itha paathu edukanum.. Of course they get profit more.. Nama onnume illama ethavathu seiyanumna loan mattum tha ore vali... Muneranum nu nenaikurathu perasai illa.. Na job panna ennoda family nalla irukum.. Business panni 4 peruku income kudutha 5 family nalla irukum... Do business with honest and ethics... Perusa munnera mudiyathu but can do... In my point of view Cibil system is good only... Ennoda marriage, bike, hospital expenses of my dad, baby delivery, business start up ithu ellame loan la tha panna mudinjathu.. I know i am paying more than i bought.. But advice pandra sonthangal panam kuduka varathu illaye.. Ithuku per perasaya?
Great bro ❤❤❤
வாழ்க வளமுடன்....
Great Video Bro 💯
Reminds me of the struggle of Svk's tobirama
En ipolam ad kagave video panra mari iruku @bigbangbogan
Enakku apadi thaan thonuthu
You should mention the Ad when you're promoting something for your fortune
Good one 👌
Bro mic eh konjo quality ah podunga. Noise jaasthiya varuthu
Anna Lilliput pathi sollunga
I'm maintaining my cibil score as NH for past 7+ years 😎
@BigBangBogan Neenga advertise/Recommendation panra investment companies la neenga invest panirukingala? Atha pathi yen neenga solrathu ila? Also details on how much you've invested and under what plans. Also you should strongly recommend the people to read the Terms & Conditions fully and understand them before investing. If you're not doing this then its obvious that you're not a trustworthy person to recommend on investing.
well said, study about to avoid trans union
search for NFO. this is a paid advertisement for BAJAJ FINSERVER
One of the best pieces of information that you have shared!!!👍
எல்லாமே உண்மை
The credit/Cibil score is NOT a measure of winning financially. It is 100% based on debt. The cibil/credit (or FICO) score is simply an 'I love debt' rating. No part of the credit score calculation even hints at how much wealth you have.
One of the bad things we do in India is keeping our paperworks up to date and monitoring cibil scores. Frauds happen when others use your pan card to get loans. That’s why monitoring ID important.
Super pro
The Kaoboys of R&AW: Down Memory Lane இத பத்தி பேசுங்க
Vijay Malaya and nirav modi will have > 800.... Even they will get loans now also...that is how this system is...
Yes I know....
Bro credit card வாங்கி1 நாள் கூட delay இல்லாம (மாதம் நீங்க செலவு பண்ண வேண்டிய தொகை சுமார் 6000 பண்ணினால் போதும்) cibil 780 above இருக்கும். Personal loan 5lakh, 10 lakh வருவாங்க. மற்றபடி bank la பணம் இருக்கனும் என்ற கட்டாயம் இல்லை. ஆனால் credit card கட்டாயம் இருந்தால் தான் cibil ஏறும். Credit card இல்லாம loan வாங்கினால் அவ்வளவாக score ஏறாது. Credit card கிடைகிலேன்னா 20000 fd போட்டு secure credit card , வாங்குங்க.
100% true, credit card,loans are very dangerous,i also affected and releived from bank by selling my house and settled to bank idiots,now im homeless but happy without loans.
😢
தோழர் வடகிழக்கு மாநிலத்தை பற்றி ஒரு காணொளி தொடர வேண்டும்
ஐயா என்னுடைய ஸ்கோர் நான் செக் செய்ய சென்றபோது ஒரு அதிர்ச்சியான தகவல் கண்டேன் என் பெயரில் பல பெயர் நூல்கள் மற்றும் கிளிகள் வாங்கி உள்ளனர் பலமுறை கம்ப்ளைன்ட் செய்தும் இந்நிலை மாறவில்லை
💯%true bro
Misleading title but few infos are useful.
Misleading video. Lending is a fragile business across the world. Try lending to a known person and get it back. A credit rating system is a must.
1. Correct ah 30L save panna oruthan, credit card misuse pannamaatan. Credit card correct use panna it’s a boon.
2. Savings konjam than pannanum but investment nalla pannanum. So savings is not correct.
3. CIBIL thappu sollalam but small loans and credit card correct ah use panni nalla score build panna, emergency or much needed time la kandipa loan kedachirum safe aikalam. BB ku pavam theva padratime la loan kedaikala pola.
4. Teach them to use credit card properly. Credit card statement once in a while correct ah watch panni, wrong transactions ah udane report panna seri aaga chance athigam.
Palani pathi solluga
Super
Awesome info 🎉
hats off bro , system la scam , white collar scam pathi inuum podunga ,
Mike eruyuthu bro konjo audio check pannunga
Cibil is a good system to prevent fraudsters getting loan. So many farmers in India get loan and never repay. they wait for government cancel the loan. so Cibil monitors these kind of fraudsters and stops them getting free money from banks.
Except for housing ..dont take big loans for anything
ad na ad nu andha section la podunga bro
Bro do a video on oskar schindler.