This is straight up violation of MITC to use personal credit cards to shop for strangers. Things like these should not be promoted. Some people might already be doing this and they are still wrong to use it like this and to make it worse you guys are promoting this. Content like this if amplified will surely devalue cards further as devaluations only happen when misuse is at large scale, you guys are amplifying the scale. Nobody should be doing this, this gets cards devalued. It's one thing to share efficient use tips with legitimate usage or maximizing rewards with legitimate usage, different thing to promote such apps.
Sir we have placed restrictions on every user who can order. A single person cannot order multiple times, we check KYC and try the person does not overuse it. But it is definitely better than Chinese loan apps
It is not the violation until you are willing to do. Earn extra cash rewards to helping others, TDS are deducting for commision earning also. legitimacy is there
At first place RBI ne allow kaise kr diya 😂 sab milke humko pagal bna rahe. India jese pathetic customer support me Banda pagal ho jayega kisko complain kare kisi payment ya repayment issue me. 3 party involved hai 😂
@@AbhishekMishra-lh8khAre you stupid or what. 😂 We don't know jis bande k liye order kar rahe uska cibil ya repayment record kya hai. Ye simply bank wala risk khud lena hai. Usne pay ni kia to? Tum hi kare ye chindi panti reward k liye ye sab complex payment and details dalna 👍😂
@@Ashishrajputexperiment Ashish Rajput ji, aapne khud toh 100+ orders kar rakhe hai, har youtube live par aap aate the. phir bhi aap hate comments kyu dal rahe hai?
@@yaper6546kiye the phale service achchi thi at this time service is wrost "customers have no value here" and also I am never place any order in future
Positive and negative everywhere. I never face any issue while earning extra income from Yaper. I am getting TDS certificate for my earning which is legitimate under goverment norms.
@@SURENDRAYADAV-pp8ez : sir aap khud hi galat order karte and support mein nimisha ko pareshan karte the. we never had the issue of giving payment in 2 weeks, atleast on open internet- tell the truth.
Seems like a pomotional video, but I missed the same is mentioned somewhere... Anyway requesting 'Card Academy' not to promote these kind of apps.. I think you guys know it not 100% legal for a card owner to do it as per the T&C of banks, still comming up with these kind of app recomendations is not good for the overall authenticity of the channel.. Just my thoughts✌️
Don't promote this type of apps didi 😢... Even you can't assure us that our money 100% safe with yaper😅 Shayad ab dusra kohi trusted channel dhundna padega😢
Avoid guys.... there is no regulation here , once the money is ddebited, you have no control over it. Finacial scams in India are so common, Govt. and police won't help you. Stay careful.
@@Ashishrajputexperiment : Sir, we have always maintained transparency and always paid money to card holders. Yes, our support was not as great back then, but we have done it better now,
This is a misuse of credit card, pure and simple. Banks give you credit card for your use and purchases. Once in a while treating someone in a restaurant or buying a gift for someone is ok. But regular and commercial use of the card for others in order to get reward points or cash back is pure misuse of the card.
With RBI going heavily against p2p transactions which were earlier a grey area. This too feels like something that will catch the attention of either RBI or banks soon enough. As every TNC of a bank begins with you committing personal use of card, this use case is commercial. You can't buy a car privately and then put it on Uber without commercial plate in India. Also each bank reports to ITR if total payments of CC exceeds 10L. For someone who reports maybe 2-5L income each year in the ITR, having special transactions of 10L spend due to use of such apps can be a disaster. Just my opinions
Sir, with due respect P2P is still bound to reach $10.5 Bn by 2026 with Mobikwik , Cred investing heavily on it. Infact, currently 60% of there revenue is from these products along with rent, tuition fees etc (ifykyk) Yaper on the other hand is like helping a dear friend in need. We DO NOT recommend you to overuse your card. However we also share TDS certificates after every quater and have a lot of CA's on our platform who constantly maintain books and order. --Team Yaper
Kya multiple addresses par orders delivery hogi same account se to Flipkart/Amazon ka account block kar diya jayega? Yeper app me jo mobile number registered hai Flipkart/Amazon me bhi same number registered hona mandatory hai ? Multiple transactions se credit card to block nahi ho jayega ya bank block to nahi kar dega ? ITR Filing Issues? CIBIL Score fall down? Please answer these Questions or make a little video covering above all Questions. Thank You Reply ASAP. Watching all videos of card academy and subsciber from last 18 months. As I saw few comments please reply team yeper too.
Use of such apps can trigger income tax notice too. If the use of the card is disproportionate to the income declared in the ITR, you may have some explaining to do.
@@yaper6546What the hell are you commenting here for ? ₹ 10 lakhs is not a big amount these days. Order 6-7 iPhones in a year and you will reach that amount. What you are doing is promoting commercial use of personal credit cards. This is one big reason why banks are capping the reward points.
This is a risky way to earn rewards, but make sure your spends on Credit Cards is not more than what you earn in that Financial Year, otherwise get ready to recieve an income tax notice.
Yaper: "Use your cards to order for others and earn on every order" How is this even legal? During V-KYC most credit card companies confirm with you point blank that you will use the card for personal use.
I think it is illegal, credit card is made for you , you can’t use that for others legally. I think millions logo ka paisa spend hone ke baad company bhag gayi toh ?
The money immediately gets deposited in your wallet and gets settled to your account within 3 days of delivery of products. Sir more than 70000 cardholders are using it from last 4 years
A terrible video coming from this fairly reputable and good channel. It would be ideal if you take this video down. There are too many unanswered questions and it's highly risky and debt provoking if the person ordered for has to replace or cancel the order. Not to forget this is a clear misuse of your card. They are meant for personal use alone. People do share it with friends and extended families which is also not right but is still understandable. This is downright stupidity to order for a random person sitting in some end of the country. If all goes well then it won't be an issue but one slight hiccup in the process will be good to cause endless and time consuming relays with customer execs especially if the full amount paid is not sent by the company within the payment time lines. A terrible idea to share affiliate links to buyers and then sharing the commission as a reward while trying to take small bits from it initially and then taking big chunks out once investor funding dries.
Based on my suggestion, if you’re earning an extra 2K-3K with your card, that’s not a violation of its use. Credit card companies provide cards to be spent, not just kept in your wallet. Additionally, many credit cards have policies that allow you to use the full limit to waive annual fees.
@@AbhishekMishra-lh8kh Not to judge you or anything, but the fact here is that you are not particularly using it for "personal" use. Making a biz out of credit cards seems appealing and yes 2-3k p.m. may not attract the bank's interest in investigating the spike in expenditure. Nonetheless it is still a violation of the terms of service and one should ideally not take this path or atleast have an idea of all repercussions that might follow if the banks are able to identify and decide to come after you for violating TnC. Rest its your credit card and will; you could go ahead if you feel its worth the risk.
These kind of app promotion is borderline illegal and what would happen to user if they get IT notice and issue getting money back from yaper. At that time, you will say that you are just promoting that app and any deficiency or deficiency, you will not be related to it, and Customer will be at the mercy of them. So please stop spreading this otherwise it will indirectly bring you down in the overall long run.
Now a days with so many frauds taking place , we cannot risk such things . Don't promote such things if anything wrong happened to anyone then you will be responsible!!
As soon as you order product, the money come into your wallet. Money from wallet gets deposited within the time frame mentioned in the application (usually T+3) days after checking the product. -Team Yaper
@@CardAcademy Then why yaper6546 reply with each comment of subscriber? Yes I am not only your subscriber, also a big fan. Can't expect such bogus video from u. Don't choose cheap path to success.
@@fpsupravatfinancesimplifie2124 : Sir we have paid for the video, hence we wish to clear any issues if any of cardholders. We can reply to any youtube channel video
Now a days it seems that you are In Promotion Mode of these type of Crap Products on your channel, You are excellent in evaluating Credit card features Information , and Too Good from Other Channels, But That telent of yours is getting Killed by Promotion attitude Don't get your Expertise and Talent Go waste with these Petty Clumsy Products This time I won't give you the LIKE
This is inappropriate to promote such apps. If this scams and to earn 400 to 500 we are taking so much risk and we only need to update everything not good.
Aftab ji, dunakdar ko directly doge toh TDS certificate kaise how karoge? We take reponsibility of giving money what we are confirming. If rates dropped dukandar nahi lega phone- happend with a lot of users and unki phir wapas #gharwapasi hui.
Bank ka risk khud lo 😂 bande ne pay ni kia to aap fasoge koi yaper daper wale koi help ni krre 😂 payment apne consent se OTP dalke kia. Ye sab terms conditions me hota koi b brand ni btati. Paise apke dubenge. Stupid concept for country like India. Banks to aaj tak manage kr ni pai normal banda kese loan dede kisi ko 😂😂
@@CardAcademyIt’s totally understandable that it may be useful in emergencies, but it's important to be cautious on platforms like RUclips, where a diverse audience might misunderstand and misuse it. Not everyone will fully grasp the potential risks, which could lead to serious problems. Additionally, trusting companies like these can be risky, as they could disappear unexpectedly, leaving people to lose their money.
This is straight up violation of MITC to use personal credit cards to shop for strangers. Things like these should not be promoted. Some people might already be doing this and they are still wrong to use it like this and to make it worse you guys are promoting this. Content like this if amplified will surely devalue cards further as devaluations only happen when misuse is at large scale, you guys are amplifying the scale. Nobody should be doing this, this gets cards devalued. It's one thing to share efficient use tips with legitimate usage or maximizing rewards with legitimate usage, different thing to promote such apps.
Sir we have placed restrictions on every user who can order. A single person cannot order multiple times, we check KYC and try the person does not overuse it. But it is definitely better than Chinese loan apps
@@yaper6546you are doing great work.. keep it up
It is not the violation until you are willing to do. Earn extra cash rewards to helping others, TDS are deducting for commision earning also. legitimacy is there
At first place RBI ne allow kaise kr diya 😂 sab milke humko pagal bna rahe. India jese pathetic customer support me Banda pagal ho jayega kisko complain kare kisi payment ya repayment issue me. 3 party involved hai 😂
@@AbhishekMishra-lh8khAre you stupid or what. 😂 We don't know jis bande k liye order kar rahe uska cibil ya repayment record kya hai. Ye simply bank wala risk khud lena hai. Usne pay ni kia to? Tum hi kare ye chindi panti reward k liye ye sab complex payment and details dalna 👍😂
It's not a simple process. It's too hectic. Do not promote this kind of apps it's a request
but then there are reward based on that too.
I agree bro
@@Msahujiiiyou right "customers have no value here"
@@Ashishrajputexperiment Ashish Rajput ji, aapne khud toh 100+ orders kar rakhe hai, har youtube live par aap aate the. phir bhi aap hate comments kyu dal rahe hai?
@@yaper6546kiye the phale service achchi thi at this time service is wrost "customers have no value here" and also I am never place any order in future
I think you should delete this video. Out of 64 comments more than 55 comments give negative feedback. You should rethink my feedback.
Positive and negative everywhere. I never face any issue while earning extra income from Yaper. I am getting TDS certificate for my earning which is legitimate under goverment norms.
Mota paisa 😂
Ha😂😂 @@IamSpidey007
So many Red Flags....
Very bad app please don't order because customer service aur payment 1-2 week
I got payment next day of the delivery. I think you should upload invoice on time to get payment.
@@AbhishekMishra-lh8kh bro using last 3-5 year every time delay payment and customer service support very poor
@@SURENDRAYADAV-pp8ez : sir aap khud hi galat order karte and support mein nimisha ko pareshan karte the.
we never had the issue of giving payment in 2 weeks, atleast on open internet- tell the truth.
I think too much risky to get some reward... And trying to achieve milestone please remember Income tax rule. What u say guys .....
income tax come once you over the 2.5 Lakh, there is the 5% TDS deduction on rewards not on cash. This is legal and valid
It's just crap 💩
Seems like a pomotional video, but I missed the same is mentioned somewhere... Anyway requesting 'Card Academy' not to promote these kind of apps.. I think you guys know it not 100% legal for a card owner to do it as per the T&C of banks, still comming up with these kind of app recomendations is not good for the overall authenticity of the channel..
Just my thoughts✌️
Sure sir. Will keep in mind.
I earn 2K-3K every month it is good enough. It can not be illegal because 5% TDS going to goverment
Don't promote this type of apps didi 😢...
Even you can't assure us that our money 100% safe with yaper😅
Shayad ab dusra kohi trusted channel dhundna padega😢
Sounds too good to be true,🤑
Not good aplication there is no value of customers
Avoid guys.... there is no regulation here , once the money is ddebited, you have no control over it. Finacial scams in India are so common, Govt. and police won't help you. Stay careful.
Not good aplication and also very disappointed customer support not support on time very disappointed aplication
Sir please give us 1 more chance and prove us again!
@@yaper6546"customers have no value here"
@@Ashishrajputexperiment : Sir, we have always maintained transparency and always paid money to card holders.
Yes, our support was not as great back then, but we have done it better now,
@@yaper6546 "customers have no value here"
@@yaper6546 Card academy channel mein ake tu kiu reply kar raha hai. kitna diya hai bhai? Ye to tera channel nehi hai.
This is a misuse of credit card, pure and simple. Banks give you credit card for your use and purchases. Once in a while treating someone in a restaurant or buying a gift for someone is ok. But regular and commercial use of the card for others in order to get reward points or cash back is pure misuse of the card.
We dont recommend you use it regularly, just help a friend in need who does not have the right card :)
@@CardAcademySorry, the way you are explaining the whole thing doesn’t indicate that.
@@amitabhmaheshwari Yeah, I have already reported this video😅 & Never expected how she can promote this type of unsafe app😢
With RBI going heavily against p2p transactions which were earlier a grey area. This too feels like something that will catch the attention of either RBI or banks soon enough. As every TNC of a bank begins with you committing personal use of card, this use case is commercial. You can't buy a car privately and then put it on Uber without commercial plate in India.
Also each bank reports to ITR if total payments of CC exceeds 10L. For someone who reports maybe 2-5L income each year in the ITR, having special transactions of 10L spend due to use of such apps can be a disaster. Just my opinions
Sir, with due respect P2P is still bound to reach $10.5 Bn by 2026 with Mobikwik , Cred investing heavily on it. Infact, currently 60% of there revenue is from these products along with rent, tuition fees etc (ifykyk)
Yaper on the other hand is like helping a dear friend in need.
We DO NOT recommend you to overuse your card. However we also share TDS certificates after every quater and have a lot of CA's on our platform who constantly maintain books and order.
--Team Yaper
Kya multiple addresses par orders delivery hogi same account se to Flipkart/Amazon ka account block kar diya jayega?
Yeper app me jo mobile number registered hai Flipkart/Amazon me bhi same number registered hona mandatory hai ?
Multiple transactions se credit card to block nahi ho jayega ya bank block to nahi kar dega ?
ITR Filing Issues?
CIBIL Score fall down?
Please answer these Questions or make a little video covering above all Questions.
Thank You Reply ASAP.
Watching all videos of card academy and subsciber from last 18 months.
As I saw few comments please reply team yeper too.
Flipkart parmison nhi de rha h yaper se krne pr
They are not sharing us business receipts for payment credits in our account
Use of such apps can trigger income tax notice too. If the use of the card is disproportionate to the income declared in the ITR, you may have some explaining to do.
we are not recommending you to order 10L of products / per year Amitabh ji.
@@yaper6546 Card academy channel mein ake tu kiu reply kar raha hai. kitna diya hai bhai? Ye to tera channel nehi hai.
@@yaper6546What the hell are you commenting here for ? ₹ 10 lakhs is not a big amount these days. Order 6-7 iPhones in a year and you will reach that amount. What you are doing is promoting commercial use of personal credit cards. This is one big reason why banks are capping the reward points.
This is a risky way to earn rewards, but make sure your spends on Credit Cards is not more than what you earn in that Financial Year, otherwise get ready to recieve an income tax notice.
Please don't promote such apps, it's very dangerous
Yaper: "Use your cards to order for others and earn on every order"
How is this even legal? During V-KYC most credit card companies confirm with you point blank that you will use the card for personal use.
We dont recommend you to overuse it. We just help few people get products at discounted rates
Thank you for confirming that it is illegal.
@@kedar-joshi
@@kedar-joshi 😂😂🤣
@@kedar-joshithis is not illegal, this is called trade.. I m buying, I m selling..... MITC Violation is just a mutual agreement issue
I think it is illegal, credit card is made for you , you can’t use that for others legally. I think millions logo ka paisa spend hone ke baad company bhag gayi toh ?
What if I don't received money back.???
The money immediately gets deposited in your wallet and gets settled to your account within 3 days of delivery of products.
Sir more than 70000 cardholders are using it from last 4 years
Ek hi card se jyada mobile order karne par card block ho jati hai
There are orders of grocery, gold , fridges etc too!
A terrible video coming from this fairly reputable and good channel. It would be ideal if you take this video down. There are too many unanswered questions and it's highly risky and debt provoking if the person ordered for has to replace or cancel the order. Not to forget this is a clear misuse of your card. They are meant for personal use alone. People do share it with friends and extended families which is also not right but is still understandable. This is downright stupidity to order for a random person sitting in some end of the country. If all goes well then it won't be an issue but one slight hiccup in the process will be good to cause endless and time consuming relays with customer execs especially if the full amount paid is not sent by the company within the payment time lines. A terrible idea to share affiliate links to buyers and then sharing the commission as a reward while trying to take small bits from it initially and then taking big chunks out once investor funding dries.
Based on my suggestion, if you’re earning an extra 2K-3K with your card, that’s not a violation of its use. Credit card companies provide cards to be spent, not just kept in your wallet. Additionally, many credit cards have policies that allow you to use the full limit to waive annual fees.
@@AbhishekMishra-lh8kh Not to judge you or anything, but the fact here is that you are not particularly using it for "personal" use. Making a biz out of credit cards seems appealing and yes 2-3k p.m. may not attract the bank's interest in investigating the spike in expenditure. Nonetheless it is still a violation of the terms of service and one should ideally not take this path or atleast have an idea of all repercussions that might follow if the banks are able to identify and decide to come after you for violating TnC. Rest its your credit card and will; you could go ahead if you feel its worth the risk.
These kind of app promotion is borderline illegal and what would happen to user if they get IT notice and issue getting money back from yaper. At that time, you will say that you are just promoting that app and any deficiency or deficiency, you will not be related to it, and Customer will be at the mercy of them. So please stop spreading this otherwise it will indirectly bring you down in the overall long run.
Now a days with so many frauds taking place , we cannot risk such things . Don't promote such things if anything wrong happened to anyone then you will be responsible!!
bech diya channel paiso ke liye 🤣
Misleading Video, Please report to this video
Bajaj emi card se reward milega aur eska paisa bank m le skte hai kya
How we gonna recover that amount? If the person is not paying the bill ? Our credit history will go down. What is the guarantee for that?
What if payment is not deposited even after all the process and product gets delivered??
As soon as you order product, the money come into your wallet. Money from wallet gets deposited within the time frame mentioned in the application (usually T+3) days after checking the product.
-Team Yaper
T+3 is not true ok t+5 ya isse jyada isse pahle nahi@@yaper6546
Card Academy is a RUclips channel of Yaper. Just telling, if you don't know. So, please understand how cunning this channel is.
Sir we are an independent academy
@@CardAcademy Then why yaper6546 reply with each comment of subscriber? Yes I am not only your subscriber, also a big fan. Can't expect such bogus video from u. Don't choose cheap path to success.
@@fpsupravatfinancesimplifie2124 : Sir we have paid for the video, hence we wish to clear any issues if any of cardholders.
We can reply to any youtube channel video
We don't follow this channel to watch these kind of videos. Please stick to honest and genuine reviews only.
Don't use yepar, crad declined by bank and high chance Income tax department noticed...
Now a days it seems that you are In Promotion Mode of these type of Crap Products on your channel,
You are excellent in evaluating Credit card features Information , and Too Good from Other Channels, But That telent of yours is getting Killed by Promotion attitude
Don't get your Expertise and Talent Go waste with these Petty Clumsy Products
This time I won't give you the LIKE
I don't know what if i ordered and not get payments from this application 😕. And i never here this app before.
Manish Ji, more than 70000 cardholders on platform using from last 4 years.
Goddamn...am not falling for a trick by a cute girl again.
Kindly do solo informative video , no collab helping other when your knowledge can help tons !!❤🎉
Bajaj EMI card bi use kar sakte he
We have multiple deals on all different cards, please check out the app to know more!
Flipkart or Amazon pay or shopping vouchers se book kar sakate hai??
yes sir
Till now you don't delete this bogus video. Totally against your channel theme and logic. I unsubscribe your channel.
Anq full details please
I will use thes app after 3year..😂😂
Thank you 828 subscribes completed ❤❤🎉🎉
Paid video lag rahi hai
Im not expecting this video from you.
Have you verified their authenticity.?
@@CardAcademyI am using this app not good experience customer support is too much wrost
@@CardAcademy Not yours authenticity i am talking about
It was about yapers authenticity
Hi, our team has verified the authenticity of the app, you should try Yaper yourself to check further!
this is not even allowed!!!!!! Credit card are only meant for personal usage!!!!!!
I would suggest not make such videos
Amazing idea
Too risky
It's looking like spam mam I am following uhh from long time have ur team verified their authenticity
Yes, we have verified them
This is inappropriate to promote such apps. If this scams and to earn 400 to 500 we are taking so much risk and we only need to update everything not good.
Bhai isko paise mil gaye hai yaper ki marketing ke..
Guys yaper and idzo se achaa aap kisi dukandaar ko maal do
Yeh sab sale no cost emi ke chakkar me lut te hai
Aftab ji, dunakdar ko directly doge toh TDS certificate kaise how karoge?
We take reponsibility of giving money what we are confirming.
If rates dropped dukandar nahi lega phone- happend with a lot of users and unki phir wapas #gharwapasi hui.
👍👍👍
Complete breach of privacy!!!!!!!!!!
Bank ka risk khud lo 😂 bande ne pay ni kia to aap fasoge koi yaper daper wale koi help ni krre 😂 payment apne consent se OTP dalke kia. Ye sab terms conditions me hota koi b brand ni btati. Paise apke dubenge. Stupid concept for country like India. Banks to aaj tak manage kr ni pai normal banda kese loan dede kisi ko 😂😂
premium credit card ka ek video banao sab bank ka
credit card personal use ke laye hota hai o ye app uska commercial use kar rahe hai. this is illegal
Sir this is like helping a friend
:)
@@CardAcademyIt’s totally understandable that it may be useful in emergencies, but it's important to be cautious on platforms like RUclips, where a diverse audience might misunderstand and misuse it. Not everyone will fully grasp the potential risks, which could lead to serious problems. Additionally, trusting companies like these can be risky, as they could disappear unexpectedly, leaving people to lose their money.
@@CardAcademySorry, not at all.
Too cumbersome process not a simple process 6:51
hence the reward. Currently a deal on iphone and people are making 1000 extra cash reward on it too.
Dangerous and risky
It’s super complicated and almost all products are out of stock - waste of time 😢
Sorry Ramesh! Discounts keep changing hence the issue- try now!
Maaf kro didi 😂🙏🏼