Credit utilization should be removed by RBI. If some one uses credit card for all his transactions and pays back on due date, why the hell it should impact the credit score. Doesn't make any logic
If I use credit cards and pay immediately on same day (without waiting for statement generation), will it impact my credit utilisation or impact my score by any other means?
Why you people are so worried....you can bill 5 days before due date...but remember spend only below 30% of the limit. If your limit is 75000 then only spend below 22000.
@@amitkishor9229 are uski bat to smjho yhan bat ho rhi ki agar 70% utilise krke bill generation date se phle pay krke 30% kr de jisse bill pr whi dikhe to kya phir bhi utilisation pr empact hoga
Ma'am credit limit nhi increase ho rah hai , but new card ,mera approve ho ja rah hai .. aabhi hmm sare card mai aapna expenses divide kar diya . Mai ne sahi kiya na !?
Mujhe Hdfc valo ne ye bola ki card se aap lagatar rent payment karte ho to apka track rent payment vala ban jata he to apki credit limit jaldi se nhi badhegi....jese mere pass tata neu hdfc card he matlb tata or hdfc dono ne mil kar card diya...ab tata se to me 1 rs ka kuch bhi nhi le raha to hdfc meri limit ku badhega kharcha vo bhi tata neu app se me kar hi nhi raha to vo badhage nhi
mera saath to aisa nhi hai credit utilization bhi 30% se less rehta hai or repayment bhi time to time rehti hai fir bhi credit score or limit increase nhi ho rhi. suggest me what i hv to do?
@@Harmonic_trader Garib Insan Axis Ka Magnus hai Mere pass Naam bhi Suna nahi hoga kabhi tune... lic waise bhi garibo ko card free me batata rehta hai...🤣😅 jitne tere card ki limit hai utna Annual fees hai mere card ka...🤣😅
@@Kitanu143 yes. I save around 2500 - 3000 per month using my credit card and invest it in sip every month. I am building asset using my credit card and not debt.
@@Kitanu143 Then people should learn to be disciplined.Not avoid getting a credit card.. Credit cards can help them increase their CIBIL score which is good for them to get loans at cheaper rates..
Mera to 2000 to 3000 bill banta he 2 ya 3 shal ho gaye 80k she 320k limit hogayi he ..me to kamta bhi nahi ....abhi 1.30 lakh ka kharcha kya hua shabhi bank keh phone ane lage sir life time free card he lelo ...kuch card liye cradit score 40point gir gaye ...card lene keh bad
Mujhe bas hdfc nahi de rha 😂 2 saal se 10k ki limit ka lifetime free card use kar rha hoon. Icici amazon pay ki limit 1.30lac se 5 lac ho gyi. Sbi ki 1 lac se 1.30. axis ki 15k se 65k ho gyi. Par hdfc ka kuch ni ho rha
Good luck analysing data for such stupid banks. Customers income and expenses are increasing but credit limit at same place. No desire for incremental business. Government bank or what?
Honest Opinion: Credit Cards are turning more of a strangle than a useful financial instrument. Banks are devaluing cards, increasing annual fees, lowering barrier to entry, fuel stations don't accept their own vouchers, and a lot more things. See around an airport lounge, the queues should be an alarm. Further you won't be able to pay bills through third party apps like Cred soon. And the barrier to entry for "exclusive" cards is non existent these days, and it's more of a novelty and show off rather than managing finances effectively. I highly suggest to keep just 2-4 cards, very specific to your daily spends and the ones that cover your non-spend based benifits well. 1. To cover food, grocery, dining expenses 2. For fuel, preferably the one which either gives benefits on all fuel stations, or the one which pays credit instead of fuel points in statement (fuel points are mostly a pain to redeem) 3. Daily Spends on UPI Optional: Travel focused cards, Utility Bills
Credit utilization should be removed by RBI. If some one uses credit card for all his transactions and pays back on due date, why the hell it should impact the credit score. Doesn't make any logic
My Standard chartered EMT card limit was increased from 6L to 9L.
Card age?
Card kab liya tha aapne?sir
Apki monthly income kya ha
If I use credit cards and pay immediately on same day (without waiting for statement generation), will it impact my credit utilisation or impact my score by any other means?
Why you people are so worried....you can bill 5 days before due date...but remember spend only below 30% of the limit.
If your limit is 75000 then only spend below 22000.
@@amitkishor9229 are uski bat to smjho yhan bat ho rhi ki agar 70% utilise krke bill generation date se phle pay krke 30% kr de jisse bill pr whi dikhe to kya phir bhi utilisation pr empact hoga
@@mukulsoni576 iska answer mujhe pta nhi I have never taken this kind of risk ..... tumhe pta hai kya? Impact hoga?
Ma'am credit limit nhi increase ho rah hai , but new card ,mera approve ho ja rah hai .. aabhi hmm sare card mai aapna expenses divide kar diya . Mai ne sahi kiya na !?
What if I get 2 credit card for 2 different bank and use 1 credit card to spend and another to pay 1st due and vise versa
If you are OK to pay extra Charges then no issues.
If I was a defaulter in the past but have cleared my dues 6 months later, how can I increase my credit limit, could you help Madam?
Take Secured Loan & Secured Card
Agar salary 2.5x increase ho chuka hai to Reason kya raha credit limit increases na hone ka ?????
Is it good to get two cards with shared limit or should we use only one card with the highest limit
keep making videos on this topic
If I increase my credit limit do I have to pay more in annual charges??
No
SBI and YES BANK ne Credit Limit kam kar di hai kyunki log Credit Utilize nahi kar rahe hain. The 30% CUR seems to be ineffective now.
Mujhe Hdfc valo ne ye bola ki card se aap lagatar rent payment karte ho to apka track rent payment vala ban jata he to apki credit limit jaldi se nhi badhegi....jese mere pass tata neu hdfc card he matlb tata or hdfc dono ne mil kar card diya...ab tata se to me 1 rs ka kuch bhi nhi le raha to hdfc meri limit ku badhega kharcha vo bhi tata neu app se me kar hi nhi raha to vo badhage nhi
I have hdfc business regalia credit card International shopping charge batayen please
Life saver pro tip: NEVER GET A CREDIT CARD.
Keep your tip to yourself 😅
@@cb7762 Thanks for the advice! I'll keep sharing tips for those who actually find them helpful.
@@cb7762 Thanks for the advice! I'll keep sharing tips for those who actually find them helpful.
Meri credit limit 3 baar badh chuki hai...par cibil pe phle wali hi show krta hai...kuch kr skte hai iska
Credit card se cibil improve hota hai...?
Improve hota he
mera saath to aisa nhi hai credit utilization bhi 30% se less rehta hai or repayment bhi time to time rehti hai fir bhi credit score or limit increase nhi ho rhi. suggest me what i hv to do?
Baar baar Enquiry mat karo ,
My credit utilization ratio is 2 to 3 percent only.
Shared limit cibil pe ek hi show hota hai ya alag alag show hota h.?
Alag alag
90/95% card use kar Raha hu 4/5 year se but kabhi cibil 760 ke niche nahi gaya😅😂...
😂😂😂
lol uncle Ji my cibil score is 825 😂 n you’re talking about 760😂😂😂😂
@@Harmonic_trader Beta abhi abhi Paida huye ho isliye 825 hai... Aaj Kal ke bachhe 1000/2000 ki Flipkart ki limit use karke cibil generate karte hai... proper loan leke Maintain karke dekho 750 bhi nahi rakh paoge.
@@ranjitnayak2767 Axis Bank Lic platinum card hai uncle. Tum jesey iss card k liyey jindagi bharr bhi eligible nai hogeey🤣
@@Harmonic_trader Garib Insan Axis Ka Magnus hai Mere pass Naam bhi Suna nahi hoga kabhi tune... lic waise bhi garibo ko card free me batata rehta hai...🤣😅 jitne tere card ki limit hai utna Annual fees hai mere card ka...🤣😅
Best way is to avoid Credit card
Get some financial knowledge. Avoiding is not an option, using wisely is .
@@AnnoyedCamping-kb5ve Credit cards are to be used in very disciplined manner and yes Max people are not disciplined...
Better way is to avoid it....
@@Kitanu143 yes. I save around 2500 - 3000 per month using my credit card and invest it in sip every month. I am building asset using my credit card and not debt.
@@Kitanu143 Then people should learn to be disciplined.Not avoid getting a credit card.. Credit cards can help them increase their CIBIL score which is good for them to get loans at cheaper rates..
@@AnnoyedCamping-kb5ve if u have to use only 30% than credit card is useless
Dear. Mera Aaj Cibil score 773 to 759 by 14 point decrease hoo gya😮 Aisa kiu hua🤔 Utilisation 24% hain
Jyada account show ker rha hoga cibil main...yaa fir inquiry jyada hogi cibil main😊
Account jawda hain
Mera to 2000 to 3000 bill banta he 2 ya 3 shal ho gaye 80k she 320k limit hogayi he ..me to kamta bhi nahi ....abhi 1.30 lakh ka kharcha kya hua shabhi bank keh phone ane lage sir life time free card he lelo ...kuch card liye cradit score 40point gir gaye ...card lene keh bad
1-2 mahino me 1 se jyada card liye honge aapne tabhi gir gaya score
@@varunk3573haan 5 din meh 5 😂
Bank wale sabko offer De Rahe h limit enhancement ka lekin pata nhi kyu, mujhe nhi De Rahe limit enhancement ka offer
Mujhe bas hdfc nahi de rha 😂 2 saal se 10k ki limit ka lifetime free card use kar rha hoon. Icici amazon pay ki limit 1.30lac se 5 lac ho gyi. Sbi ki 1 lac se 1.30. axis ki 15k se 65k ho gyi. Par hdfc ka kuch ni ho rha
Same😅😅@@AyushNiranjan
Bring Best credit cards for 2024
Arre, ye screenshot to hdfc netbanking portal ka hai
7 crore ......😂
@@JaldiYahaSeHaato😂😂
Good luck analysing data for such stupid banks. Customers income and expenses are increasing but credit limit at same place. No desire for incremental business. Government bank or what?
Honest Opinion:
Credit Cards are turning more of a strangle than a useful financial instrument.
Banks are devaluing cards, increasing annual fees, lowering barrier to entry, fuel stations don't accept their own vouchers, and a lot more things.
See around an airport lounge, the queues should be an alarm.
Further you won't be able to pay bills through third party apps like Cred soon.
And the barrier to entry for "exclusive" cards is non existent these days, and it's more of a novelty and show off rather than managing finances effectively.
I highly suggest to keep just 2-4 cards, very specific to your daily spends and the ones that cover your non-spend based benifits well.
1. To cover food, grocery, dining expenses
2. For fuel, preferably the one which either gives benefits on all fuel stations, or the one which pays credit instead of fuel points in statement (fuel points are mostly a pain to redeem)
3. Daily Spends on UPI
Optional: Travel focused cards, Utility Bills
Sochte hue mundi kon hilata hai bhai😂
HDFC?
Mai default hu Mai kaise badhau score😂
Mera to 95 % hai,and credit score is 875
Nice Mera bhi ho raha hai aisa😢
Mera sabse accha kam ye tha ki mene Credit Card nahi liya😂
Didi apka spects thoda mis aligned hai😂
Left ya right optision
She looks like my ex 😕
You are looking so nice
I love you ❤
So cute
99% use hai fir bhai mera cibil 769 hai
Bill generate hone ke pehle hi payment karte hoge😂
Flipkart pay later ki limit 1 lac hai 1% use karato utilitietion ratio maintain ho jata hai
What nonsense video, card credit limit toh every few months badta hi rehta hai
❤ bast
First comment ❤ 🙏
Axis bank ka card hoga 😂😂😂😂
Chal chashmish 😂