4 Credit Card Mistakes You Should Avoid in Hindi | By Ishan
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- Опубликовано: 24 фев 2018
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4 Credit Card Mistakes You Should Avoid in Hindi | By Ishan
If you have a credit card, you owe it to yourself to use it the right way. Making any of these credit card mistakes could cost money and precious credit score points.
1.Making minimum only payments: Making the minimum payment on your credit card not only increases the amount of time it takes to pay off your credit card balance, it also increases the amount of interest you pay on your credit card. Don't just pay the minimum payment (unless it's part of your get out of debt strategy). Instead, increasing your monthly credit card payment helps you pay off your balance sooner and at a lower cost.
2.Paying late:Paying the minimum on your credit card not only increases the amount of time it takes to pay off your credit card balance, it also increases the amount of interest you pay on your credit card. Don't let your due date pass you by. Send your monthly payments on time. Come up with a system for remembering your due dates if you keep forgetting.
3.Loaning your credit card: When you loan your credit card to someone else, you have no control over the purchases they make. In the end, you’re responsible for paying the bill, even if the person who borrowed your credit card doesn’t. Never loan your credit card unless you're prepared to pay for all the purchases they make.
4.Ignoring your billing statement: If you don’t open your credit card billing statement, you risk missing your payment due date. You could also miss important announcements about changes to your credit card terms. Not only that, your billing statement is often the first tip off to any fraudulent activity on your account. Always read your billing statement, if only to make sure that all the charges are accurate.
5.Letting your credit card get charged-off: A charge-off is one of the worst things to happen to your credit report and your credit score. The charge-off listing will remain on your credit report for seven years and could effect your ability to get credit cards and loans in the future. It takes six months of missed payments to get to charge-off status. Bring delinquent accounts current before it gets to that point.
6.Waiting to report your lost or stolen credit card: The longer it takes you to report a lost or stolen credit card, the longer the thief has to charge up your account. If you report your missing credit card before any fraudulent charges are made, you’ll have no liability for the charges. Report a missing credit card as soon as possible to limit your liability for fraudulent charges.
7.Maxing out your credit card: Charging your credit card balance beyond 30% of your credit limit is dangerous to your credit score. Getting close to your credit limit puts you at risk for over-the-limit fees and penalty interest rate your credit card charges when you exceed your credit limit. Maintain a good credit card balance for a healthy credit score and manageable payment amount.
8.Closing your credit card out of anger: Canceling your credit card account will seldom get you anywhere with your credit card issuer. It will almost always cost you credit score points as you drive your credit utilization up. Leave credit card accounts open until you're sure closing the card won't hurt your credit score.
9.Applying for too many credit cards at once: Each credit card application has the potential to knock points off your credit score. If you apply for several credit cards within a short period of time, you might notice the denials are more frequent as lenders start getting suspicious about the sudden onslaught of credit card applications. Apply for new credit cards one at a time on an as-needed basis.
10.Not knowing your credit card terms: Knowing how your credit card company handles late payments makes you more likely to pay your credit card bill on time. Knowing your credit card terms give you more control over your credit card costs. You know how you should and should not use your credit card based on how your creditor will respond to your actions.
Review the terms of your credit card at least once or twice a year (you can find them at your credit card issuer's website or request them from customer service).
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आप जैसे अच्छे इंसान ओर भी होने चाहिए जो सिर्फ काम की ही बात करें ।। शुक्रिया
Good
जी, हर विडियो काम की होती है,, भाषा भी स्पष्ट..👍
Kyo baaki sab Hindu muslim hi karte hain kya?😀 Wese iss per bat karna bhi jaruri hai because bahut gandagi macha di hai jahil kom ne desh aur duniya mein! Apne aasmani kitab ki wajah se andhvishvashi hokar!😀
@@MegaRamesh1982 andhvishwashi toh 12 12 haath aur mooh land ki Pooja karte ho
सही कहा भाई आपने🙏🏻🙏🏻
Aap ne sabse achha se explain kiye sir THANK YOU SO MUCH
बहोत ही जरुरी एवं आवश्यक पूर्ण जाणकारी दि हैं ईशान सर आपने हम सबको.. बहोत ज्यादा शुक्रिया
GST on interest is 18% which adds 2% to the 4% monthly interest.
बहुत ही अच्छी व सटीक जानकारी दी आपने ,बहुत धन्यवाद आपका।
Thank God
कोई बात नही🙂
L7o9a0n8 0n1u7m3b8e9r
Thank you! Ishan
Nice video
Thanks for the best part of a year
Correct and important information with no bakvas super ishan
Points are Valuable and Simple Explanation is your Mastery
You 100% right fantastic information 💗
Love❤😘 u
Mem Me te bhut piasa bhar Chuka hu
Nice and helpful video thanks a lot for such a useful video
Very usefull information sir thanks for sharing with us 😊👍👍💖💖👌👌👍👍
Zabardast Information Ishan Miya
Sahi he .....bahut badhiya 👍👍👌👌
Thanks bro..Good info.
Thanks bro, very nice info you provide about credit card. 👍
बहूत ही महत्वपूर्ण जानकारी दि है |
बहुत धन्यवाद...👌👌👌👌
Great video bro thank you
thanks for giving these valueable information
This man looks so different after 5 years.. Great bro take care
Thank you sir for great information
Very good information
*You're absolutely correct sir.. Very Great information sir..* 👍😇
Good
Thanks a lot for such valuebale information.
Credit card se cash nikalne par cash advance fee lete hai aur cash repayment due date se pehle kiya to kya 1st day se interest lagega....??
Fantastic Amazing
Video
🙏🙏🙏
Hio
Very important for Credit card user 👍👍👍
Salut Hai bro! aap se bhut kuch knowledge hoti Hai aapki baato se I proud bro thanx for everything.. Aapko koi भी video miss nahi karta... Thanx
Thank you for information 👌🙏
Thaikyu sir jankari dene ke liye
Vary nice bro clear video vary helpful video
Thank you Sir 💯
I salute you sir always for all your information
Wao nice information bro luv u❤
🙏🏻💐
Great good speech
Muskan Darbhanga 🐱
Muskan Darbhanga okkk
Darbhanga me Kha se ho????
Muskan Darbhanga ho
Hii
Thank you Sir.....very useful information
Very helpful video bro😍😍
Awesome sir
Me CC use karta hoon pichle 12 saal se. Jo kuch tumne bola wo minimum hai. Aur bhi mistakes log karte hain... Like CC emi, if you can't pay the full amount. Jumbo loan offer in CC. Ek CC se dusre CC me balance transfer
Karna... Etc etc...
Thanks you sir for your information 🙏
Aapki sari videos bahut labh dayak hoti great sir👌👌good job
Sir i wanna ask u that is it safe to give card no or cvv no to netflix or amozon prime video.plz tell me... I feel unsecure to do this.
It's safe. But they auto debit the amount from card for the membership fees
9929619272
Thanks sir aap original video banate h I like sir
Yr information is Absolutely right
बहुत बढ़िया जानकारी दी आपने ईशान भाई। शुक्रिया जी।🙏🏻🙏🏻
Hi ishant sir
Agar hum credit card se paytm par cash other person ko pay krte h jaise my friends and relative to kya charge lagega
Sir what are pros and cons if I want to paid the bill for 1 credit card from another credit card
Nobody is there to reply your question sir,
Please don't waste your time.
I believe you are talking about balance transfer. You will be charge fee or there will be interest in the card from where you are transferring.
Shabash beta very nice knowledge ,god bless u
Thanks bro full information good
Nice information sir
ASHISH JUMDE
Nice video sir
Perfect_Usage_Guidance👌💰
Bhai...Ishan bhai ...
Aapka video bahot badiya laga..muje ye credit card ka confusion huaa thaa.. thanks Ishan bhai..
Nice all video
Thanks u so much Sir verr nais video from shailesh rach
Thank you good information
You are great Sir thanksgiving🙏🙇🎉
is any charge taken with no use of credit card ?
Hlo sir , plz tell me how i use my negative balance "cash in credit card wallet"
9780521000
App ko maulam nai k
थैंक यू सर आपने जो बहुत अच्छा बताया और थैंक यू वेरी मच
कई वीडियो देखा लेकिन सबसे बेहतरीन तरीके से आपके द्वारा समझाया गया।
If I crossed over limit and my card is gone negative then waht to do and what amount I have to pay as fine or fee
Critical card kids limit hi nehi bedrehi hai
1" 5sahl ho geya bill bi nehi miss firbi
Thank u sir good information 🙏
Sir aapki videos youtube pe sab se best hai
आप जैसे अच्छे इंसान ओर भी होने चाहिए जो सिर्फ काम की ही बात करें ।। 100 % right
Thanks,, I got a HDFC Bank Credit Card today only so i wanted to know all the things
NBI on RUclips ghrgjj
Very good instructions Shere sir..
You are absolutely right sir people should learnt a lesson
Dear Ishan can you please explain security features of Credt card.
sir is there any charges applicable while i purchase anything on amazon or flipkart and do online payment through hdfc moneyback credit card.....???
No bro paytm mall se krogay tb lagega charge as a cash withdrawal
Credit card apply for contact 8102111313
ईशान, भाई अच्छी अच्छी जानकारी के लिये, बहुत बहुत !👌👌धन्यवाद
Har baar ki traha amazing 🤗🤗
Thanks for goving info to everone
Firstly, thanks a lot for the information. Below are a few things which you shud know:
1. If you can pay the purchases of one month, the next month, once the bill is generated, then why take a credit card at all?
2. Withdrawing cash from Credit Card does not get you charged a interest from the beginning. It has a flat charge of around 350-750 rs and then the rest is as usual.
3. Finally, ever heard of a Credit Card EMI? Withdraw Cash when you need the most and then convert it to CC EMI, pay it as per your will.
Adding money from CC to wallet has a limit of only 5000.
On a conclusion, a CC is for people who wish to take mini loans. For example a AC for 30k or a laptop. You don't have to take a personal loan for it and pay via CC, convert to EMI and pay as low as 2000 per month.
And I regret to say, if you have used a CC for more than a year and didn't pay anything extra, then probably you don't need a CC. I have used them for more than 6 years.
Good...:) thanks for comment
Kya? Bakwas kehte ho contradictory comment👎
Thanks sir for best information
Thank u dost bahut hi helpfull vdo
i pay all my credit due before due date....
Thankyou Ishan Bhai,your,s channel given good video and good topic, good knowlege always thankyou very much again
Ur welcome...:)
Thankuu sir
Perfect timing video
Best video yrr sidhi baat like comment share🔥
Nice 👍
HDFC credit card coustomer help line number not work tell how I finding my details
Call on 18602676161...
Normally on this no. They dont giv option to talk with cust. Care officer...but if u go in particular option u dont reply for any options twice...then line will get directed to officer...u can clear ur dbts then...hope this will work 4 u
Aapki is video se credit card ki information me mujhe bhut kuch sikhne ko mila thank you so much
very good sir jarurat he ye sab bta kr ek ache logo ki soch thodi sahi ho jaye
Nice video about credit card, is income proof mandatory, before applying for credit cards? Can we keep 2 credit cards, 1. Amazon Pay credit card and 2. HDFC Bank CC.
Income proof not needed when get from HDFC. u can keep unlimited cards
Sir mere credit card me issue month se hi automatic prepaid mobile recharge ho jata h @100/- every month ... esko stop kaise karu 🤔
Apna auto pay ban karwa do
Bhout sukriya ishan bhai important massage
Sir ap bahut Accha se samajhte hai mujhe apka bat pura pura samaj ata hai
Bank wale hmesha kyun piche pdte hai "Sir please credit card bnwa lo"
Kyunki agar due date aapne miss ki tow 36% se 40% tk interest lgta h fir bnda bhr hi nh paata interest ke dal dal m fsta chla jaata h or usse cibil score bhi worse hote chla jata h then fir aapko koi company loan bhi nh provide kregi
Credit card agar koi banda le leta hay is say pata chal jata hay kis ke kitni aukat hay who time pay bhar pata hay ya nahi agar nahi to uska cibil kharab kar ke usko ane wale din may koi bhi bank bada loan kabhi nahi de ti aur is say bank ka bada loan dene say bach jate hay
Thank You. 🙏❤️
आपने बोहत बोहत अच्छा सुझाव दिया धन्यवाद
Bahut shi sir currect info
4 महीने पहले मैंने Samsung Note 9 फोन लिया था जिसके लिए मैंने Credit Card से ₹25000 spend किये थे 50 दिन का समय मिलने के बाद भी मैंने 4 दिन देर से पैसे पटाए.... due date 1 जनवरी था और मैंने 5 तारीख़ को पैसे पटाए....देर करने की वजह से मुझे बहुत से charge लगे जो इस प्रकार हैं :
Payment bounce charge ₹300+₹54 gst
Over limit fee ₹500+₹126 gst
Late payment fee ₹700
Debit interest ₹1458
साथ ही कुछ और gst लगे कुल मिलाकर मुझे देर से पैसे चुकाने की वजह से ₹3491 अगले महीने देने पड़े.... सबसे बड़ा सरदर्द तो gst है जो हर charge पर 18% लगता है...पहली बार Credit card use किया इसलिए ज्यादा जानकारी नही थी.....इसलिए credit card लेने से पहले बैंक जाकर अच्छे से पूछताछ करें और card का समझदारी से उपयोग करें...साथ ही बैंक के mobile phone app install कर लें...due date पे या उसके पहले ही पैसे चुका दें....
5 january
भाई मेरी ड्यू डेट 8 तारीख है महीने की और मैंने 6 तारीख को जमा करके 7 को फिर से शॉपिंग कर ली तो उस पर कोई चार्ज तो नहीं लगेगा
vo mony apne app katti ha ya nahi?
@@AmitKumar-mr8nr
Bhai Ise Bhi Badiya Taraki Hai
Bill Gernate Hone ki next date ko shopping Karne se koi Bhi late charge Nahi lagta or pure 50 din milte hai 30 bill period ke or 20 Payment ke .....
*5. GIRLFRIEND हो तो क्रेडिट कार्ड use मत किजीए* 😂
Ha ha ha ha, Very good.
Shreedhar Shelar
Ek bhi nahi ho to
Kiya kare fhir
Mohd Hanif congo... u have save 1,00,000₹👍
Shreedhar Shelar bhai tume katana bachae
king kong पैसे बचाये नही तभि चलेगा, लेकींन खर्चा मत करो...
Bahut achchi jankari di bhai dhanyawad
Bahot Hi Badhiya Isan Sir,
Ap ne Jo Sari chije bataee hai Wah Bahot hi badhiyaa hi
Ha mare Papa ji k Acanthus s bena information key y money kat liy th full money
10000 maintain karna hai per month.
Personal Experience only use it when emergency switchation and take it only one credit card, and limit should be as per your salary income.
Best hai aapp credit card na hi le.... Kabhi bhi aap problems me pad sakte ho
Can I permanently close my credit card by informing the customer care that I have lost my credit card. Will the bank close it permanently then?
Limit kya bank se set kar deta hain??
Ishan bhai aapne jo bat btaai h credit card k bare me sari bate super btaai h aapne ...Jaisa aapne btaya h same mai aise hi chal rha hu...Maximum mere pass 3 hi credit h ..Jinme se 2 hdfc ke h jinka saal ka koi charge mera nhi lagta ..Hdfc k dono card ki saal wali fees meri nhi lagti vo free h ..Or dusra ek s.b.i.ka h ..Or mai apne card ki payments time pe hi krta hu..Maine account se automatically kiya hua h ...Apne aap due date aane pr auto pey ho jata h...Thanks ..A nice vidio
I have automatic payment of sbi credit card ,
Will there be any problem in usage of card in interest or deduction in sbi account?
Pls reply