@@AliIslam-cx3yp pay bills within due date and don't pay minimum amount. - she said that. Don't close your oldest credit card. It has all your credit history. - said that. Don't apply for multiple credit cards and loans at same time. This will decrease Credit score. - she also said that.
I had one with 20,000 limit and was paying just utility bills and movies which totals around 2500. But it was under 6000 i.e. 30% of the limit provided. So why was my score falling? It came from 750 to 728 or something. Then I stopped using it and in 5 months it boosted to 802. Please explain the reason.
I have multiple credit karda and I want to close some card which are not having good limit will this affect and decrease my score?? Shall I just keep those cards or should I close it any suggestions?
Mera ek emi kch minutes ki wajah se bounce ho gya, yani mere acc me funds tha but Maine wo use kr liya fir mujhe 15 minutes k baad yaad aaya k mera emi date h then maine acc me sufficient fund dal diya. Due to this I pay charges, Kia is charges ko main revert krwa skta hoon
The best option is to have a good/higher credit limit and keeping ur usage under 30%. So no matter if the bank reports it to credit agencies 2wice a month. It wudnt hamper/impact ur credit score as far as credit card utilisation ratio is concerned.
क्या अपनी क्रेडिट स्कोर सभी कंपनियों का बढ़ाना जरूरी है ?? क्योंकि सभी कंपनिया अलग अलग दिखाती है किसी में अधिक किसी में कम ।और डीटेल भी अलग अलग देती है ।
@@amitabhmaheshwari Sir please guide me!! Kotak mahindra bank has wrongly reported a 30 days late payment in my Equifax report for credit card inspite of me paying all bills in full and on time. Due to this my Score has gone done from 840 to 730 😢. What should be done? I have complained with bank and raised a dispute with Equifax but there are just asking more and more time.
I have multiple credit karda and I want to close some card which are not having good limit will this affect and decrease my score?? Shall I just keep those cards or should I close it any suggestions?
Please make a video on NeSL reporting and also what to do if one is low on money to pay credit card bills.
Score kaise badaye ye to nhi bataya apne
Puri video dhyan s dekh dubara do's don'ts bataye to h y follow kar
@Subhrarnahahd tu bata to agr itna janta h
@@AliIslam-cx3yp
pay bills within due date and don't pay minimum amount. - she said that.
Don't close your oldest credit card. It has all your credit history. - said that.
Don't apply for multiple credit cards and loans at same time. This will decrease Credit score. - she also said that.
😂@@AliIslam-cx3yp
Bhabi he tumhare , no badtamize@@AliIslam-cx3yp
I had one with 20,000 limit and was paying just utility bills and movies which totals around 2500. But it was under 6000 i.e. 30% of the limit provided. So why was my score falling? It came from 750 to 728 or something. Then I stopped using it and in 5 months it boosted to 802. Please explain the reason.
Loan ya Credit Card apply karne par Hard Enquiry hoti hai jisse short term ke liye Cibil down chala jata hai
👍👍
Theideo starts at 6.30
thanks a lot for saving time
50% use kare aur tut=rant hi 3 dino bad pay kare tabhi impact karta hai kay credit score ko
I have multiple credit karda and I want to close some card which are not having good limit will this affect and decrease my score?? Shall I just keep those cards or should I close it any suggestions?
Mera ek emi kch minutes ki wajah se bounce ho gya, yani mere acc me funds tha but Maine wo use kr liya fir mujhe 15 minutes k baad yaad aaya k mera emi date h then maine acc me sufficient fund dal diya. Due to this I pay charges, Kia is charges ko main revert krwa skta hoon
Good information 👍👍👍
मैने सबसे पहले sbi का क्रेडिट कार्ड जनवरी, 2012 मे लिया था और वह एक्टिव है।
Credit history length only credit card build karta hai or loan bhi add hoga ??
Both
credit card bhi wk tarah ka loan hi hota hai... so both.
Please describe the details how we take credit card step to step change and upgrade the best credit card. In your new episode. thanks
Credit score me kabhi kabhi not reported likha hua hota hai wo kya hai wo cibil me bad effect karta hai kya payment koi bhi late ya miss nahi kiya hai
No issues.. same mera bhi tha
Mam kya settlement k baad cibil badh sakta he??
3 saal baad
4-5sal me
Settlement wala account negative impact karta hai cibil per,remark lagta hai cibil report me
Agar card upgrade kiya ho to bhi history cut ho jati hai???
Yep if we take a new card or loan ur score will dip usually by 5-10 cause it is a hard enquiry
History will be there, i upgraded my first card 3 times and my CIBIL report has all the data.
20 days me 2 credit card apply hua dono credit card mil gya😂
Mera 783 hain cibil score
RBI made some changes from Jan 2025. .. how to maintain good CiBIL score from Jan 2025 ??? Make a video then also
The best option is to have a good/higher credit limit and keeping ur usage under 30%. So no matter if the bank reports it to credit agencies 2wice a month. It wudnt hamper/impact ur credit score as far as credit card utilisation ratio is concerned.
Mera bill payment due se pehle kr deta hu lekin cibil 2,3 % drop hota h kyu
Baar baar credit inquiry toh nahi hoti aapki ?
@@VishalArora1008 no no
😮🎉
I noticed closing old credit cards or pay later accounts can decrease cibil score.
Yes
my score is 795 how get it to 900 ?
Same mera bhi
More types of loans besides credit cards that are also promptly paid.
No need. 795 is excellent and you won’t get any extra benefit if it increases further. Above 750 it is all the same
Bhai 795 bhi kaafi hai
@@BhawaniSingh-o7l nhi muhje 900 chayie
😊
Any number of hard enquiries under 15 days is considered as 1 hard enquiry
Wr r u from bro
How you know this much knowledge bro.
Where u have gained this much knowledge bro please dont tell us bro.
क्या अपनी क्रेडिट स्कोर सभी कंपनियों का बढ़ाना जरूरी है ?? क्योंकि सभी कंपनिया अलग अलग दिखाती है किसी में अधिक किसी में कम ।और डीटेल भी अलग अलग देती है ।
CIBIL only
Transunion cibil ka score he real hota hy
@@amitabhmaheshwari Sir please guide me!! Kotak mahindra bank has wrongly reported a 30 days late payment in my Equifax report for credit card inspite of me paying all bills in full and on time. Due to this my Score has gone done from 840 to 730 😢. What should be done? I have complained with bank and raised a dispute with Equifax but there are just asking more and more time.
@@insaafkaro009 aap kotak se baat karo 30 din tak koi reply nhi aata fir RBI me compline kar sakte ho
Hsbc bank me बैंक मे बैठे क्रेडिट मैनेजर बायस होकर एवं जाति वादी सोच के कारण मेरी एप्लिकेशन को रिजेक्ट कर रहे है
Please do video in English please
😮
I have multiple credit karda and I want to close some card which are not having good limit will this affect and decrease my score?? Shall I just keep those cards or should I close it any suggestions?