Flipkart me 7144 ka Liquid cooler master liya tha Payment Flipkart axis credit card se kiya tha phir cancel kar diya sala 6,7din ho gaye hai refund Flipkart se aya hai Lekin credit me nahi🙂
@@dietitianchanchal3465 I Keep only 1 credit card. I use it for all my expenses and auto debit makes my life easy. No interest or charges ever levied to me in last 15 odd yrs. They started my cc limit with 50000. Now it's over 7 lakhs. They recently offered me their most premium private card. Credit cards are free, safe, convenient and offer interest free loan. It also helped me build my credit score and I can take all kinds of loans if needed.
I love your videos and the logic you got while explaining stuff, i have been watching a few and I saw the rent vs buy home video and this one, for me you're best finance tips person in both conservative and modern personal finance approach!
@shibainu7500 If you had so much savings, you would not have an emergency. Let's say there was a medical emergency and you needed 2 lakhs...can you really build such a big emergency fund? And don't assume everyone is salaried...think small business people. No regular income, no medical insurance, and no pension walley.
But one factor is that for merchant, Credit card transactions usually have more transaction fees than Debit card transactions due to which the prices increase.
Charges are there but seller can't can't charge that to buyer. There is a government ruling also to it. If still they insist .there are other sellers too.
Mere ko smjh nhi aata kyun kuch log credit card ko itna bekar btane me lge hue h.... Agr mere ko 1 month ke liye interest free credit mil rha h to isme dikkat kya h??😅 10 saal se credit card use kr rha hun mai aisa boht baar hua h jb mere savings account me utna balance nhi tha bt still mne credit card use kiye Mme payment hmesha due date se pahle ki mere ko to aaj tk koi dikkat nhi aai Nd mera credit score bhi boht accha h
Exactly what I do.. I buy using my CC... and then immediately pay it off.... I earn around 600 to 2k per month on cash backs... and I owe 0 by the end of the month
@@ZaikaBiharka29 ICICI Amazon Pay.. but cash back will only come in Amazon.. it works for me as I shop 80% from Amazon.. but HDFC also has good cash back cards.. you just have to explore what card suits your spending type
If a person is disciplined enough he can use it to manage 15-20 days business transactions.....for that one must know about each transaction he's doing including the dates of transactions🥂
@@deepakmethani8906sidh sidha bolo ki H silent hain or sound O or O ek vowel Hain people like me confused with this sentence a honest person or an honest person because h is not a vowel
@@Empiredata561 Wait a minute bro : tell me which are correct !! 1. I visited a university yesterday. 2. I visited an university yesterday. 3. I bought a umbrella today. 4. I bought an umbrella today. 5. Ram is an honest. 6. Ram is honest. 7. Ram is honest boy. 8. Ram is an honest boy.
Pesa h kharch krne ka lekin credit card ki limit ka dhyan rakho. Use krna bhi zaruri h. Jyada use kre to bhi score down ho jata h. Kbhi bhul gye pay krna to penalty ki tension. Ye itna jyada hassle h ki kbhi na kbhi galti ho jati h. Isse acha to lo hi mt
Make huge expenses from the credit card, for which the money is already saved in savings account. This will increase your savings and delay your payments or atleast let you pay in increments. Example: You use your CC just a day before you receive your salary, then the current salary and the next month salary can be safely parked before paying off the dues.
I started using CC from 1995. I always followed the said rule... here is a catch... Ek din aisaa bhi aayega ki aukat bhool jayenge (over confidence). Thise who used CC over 10 years known this very well.
I use credit card for convenience, credit score, rewards, emergency and I have myself set credit card limit which I make sure my expense doesn't exceed that limit and I have been using credit card for 7 years and have excellent credit score which will definitely help me in future for any kind of loan if require.
I recently had to make a lot of purchases for home and thought of using my CC so that I can avail rewards but most merchants in our area these days don't give this option because most people pay through UPI and charges come in CC payment. It wasn't like this a year ago most shops had this option. I was disappointed because now my only option to use CC is for fuel and online purchases. So I don't get much rewards these days.
I would say, pay by credit card if u can pay it within next 30 days for sure. Thats the whole logic of CC. Money when its required but need ro repay asap. Not free money Not alrenate to savings balance.
Reward points lure you to expend more so in a way its not good for anyone. Probably good for those with very high financial discipline. But such people are miniscule in India.
I rarely use credit card. Only use when I get good offer otherwise not. My credit limit increased twice in last one year surprisingly. My all CCs are lifetime free.
Very powerful message: Never buy anything with credit card that you can't buy with debit card or upi. Also, if you ever get one, never get rupay credit card and link it to upi
It's human psychology, it is for sure fixed who ever will have credit card will spend extra for sure may after months or years but surely. And then pay higher intrest rates. Plus there might be few ways they have extra charges than normal debit card.
Aur kahi sari cheeze hai. Purchase ka 2-5% credit card company ya bank ko jata hai jo merchant ko nahi milta jisse kuch local shops ke liye nuksan ho sakta hai. Kai sare hidden charges ex. Fuel surcharge, money withdraw from atm via credit card, 40-50% annual interest, and effect on other active loans aur kai sari cheze batate kuch he aur t&c me kuch aur hota hai. Matlab agar puri research na kari ho to mat lo, agar research karke acceptable lage to hi lo.
In my case as a business owner... Since there are times when the cash flow is less... I use my credit cards and when i have the money i pay the cards back... Like just last month i didn't had much in my bank... So i spent around 1.4L last month on Credit Card... This month i have the money and have already paid 90k... Will pay the rest 50k within next week... So even if i don't have money to pay using debit card i use my credit card lol😅😅😅
That's the rule our older generation teaches us. I always heard this in my home and although I stand at the borderline of Gen and Millenial, I still stick to the old gen rule. Loan bhi lena to ya to bahut jaroori kaam ho means life ka sawal ho tb lo ya phir purane employee ho jo Pension scheme k under the andsalary bhi achi h tb lo bcz Tax save hoga and jo loan lands kharidne me invest karoge wo return jyada degi future me and Installment me loan katate rahega biut ohir bhi future secure rahega bcz Pension to aise bhi hai hi. Bahut sare purane log aise hi bahut land me invest kr liye jo thoda bahut bacha wo retirement k time ka jo heavy amount hota h usse kuch pay krke khatm kr diye aur kuch deposit kiya aur pension leke last me chill maar rhe h but hamari gen ko to utna heavy risk nhi lena chahiye bcz dye to any reason agar job chali gyi ya khud hi chale gye to loan to rah jyga specially agar spouse k naam pe liya ho
Sir 6 years ho gye credit card use krte hue, apki advice achi hai but itna safe rehkar growth nahi ho sakti. Credit card ne mujhe bure samay me boht sath diya hai but thoda samajhdaari se use kare...
Everything made in this World has two sides , it depends on u which side u r Credit card help to pay all my expenses from place & to pay one time in a month
I am planning to buy a credit card I don't care about rewards or points my purpose is to get as good a credit score I'm right now 19 years right i don't have any requirement of loans i didn't have taken loan but If i want to take a loan in future i will not able get lower interest that's why I'm planning the purpose is clear. What do you😊 think?
Tata neu se transaction krne se neo pionts ko hum humare credit statement k against apply kr sakte amount deduct ho jata h ans since 1 neo point equals 1 Rs so aap monthly 500-600 credit bill se deduct krwa sakte ho.. Besr credit card
Mai toh emi ke liye use karta hun or ab emi's bhut bann chukki hai.... Now i thinking to block all the cards..Will just one credit card for just online shopping offers
Inke kahne ka matlab daru pine se leaver kharab hoti hai,family pareshan ho jati hai. Fir vi agar daru piyen achhe se to wo dawai ka kaam kar sakti hai😅😅
Bhai maine to credit card pe second hand grand i10 li h Cards k bill gumata hu ak Dusre card se Or shi h Loan 40k interest ke sath milta cards se under 10k rh jayega Credit card ache h👍👍
Mere pas 3 credit card hai 2 ki limit 45K hai or ek ki 3lac 15K m unko jyada use bhi nahi karta ese hi le liye hai dhang se use kro to credit card bahot badhiya hai
![💰 [REVEALED] YouTube income at 50 MILLION views per month!!](http://i.ytimg.com/vi/r8dSD5qNUe8/mqdefault.jpg)
In mostly cases peopal think credit card = Muft ka Paisa😊
Same 😅
These type of clowns also promote some credit card named as one card 😂😂😂😂
Flipkart me 7144 ka Liquid cooler master liya tha Payment Flipkart axis credit card se kiya tha phir cancel kar diya sala 6,7din ho gaye hai refund Flipkart se aya hai Lekin credit me nahi🙂
Yes, these PEOPAL!!
muft ka chandan ghish mere nandan
~ shidhu paji 😂
What a line sir ...Never pay anything by credit card that u cant pay by debit card ♦️♦️
Sidhe taur pe ye bola ja raha hai aukat me raha karo
Exactly ❤❤❤
Agar log jyada pesa karch karengw tho economy ki growth hogi
Jab Debit card se payment kar sakte toh Credit card ki jarurat nahi hogi 😂😂.koi chutiye ki baato main mat aao
Using credit card for last 15 yrs and I am loving it. Never ever paid any charges and seldom encashed reward points.
Konsa CC hai?
But you have spent more
How you manage credit cards
@@dietitianchanchal3465 I Keep only 1 credit card. I use it for all my expenses and auto debit makes my life easy. No interest or charges ever levied to me in last 15 odd yrs. They started my cc limit with 50000. Now it's over 7 lakhs. They recently offered me their most premium private card. Credit cards are free, safe, convenient and offer interest free loan. It also helped me build my credit score and I can take all kinds of loans if needed.
Which one do you have and how much cashback?
I love your videos and the logic you got while explaining stuff, i have been watching a few and I saw the rent vs buy home video and this one, for me you're best finance tips person in both conservative and modern personal finance approach!
Keep a credit card for emergency purchases only. Not for day to day purchases.
Wrong. Build an emergency fund seperately and don't rely on credit cards for emergency.
@shibainu7500 If you had so much savings, you would not have an emergency. Let's say there was a medical emergency and you needed 2 lakhs...can you really build such a big emergency fund? And don't assume everyone is salaried...think small business people. No regular income, no medical insurance, and no pension walley.
Activate a credit card and don't use it for whole year 😂
Use na karne se band toh nhi ho jata na? Ya koi extra fees dena hota h?
I bought a laptop with 10k discount.
Lol
But one factor is that for merchant, Credit card transactions usually have more transaction fees than Debit card transactions due to which the prices increase.
Good Point.
@@fleek21 Yes
Charges are there but seller can't can't charge that to buyer. There is a government ruling also to it. If still they insist .there are other sellers too.
Merchants can't transfer the mdr to the customer. Report it to their pos seller.
From many years even I kept telling people that don't pay from credit card if you don't have equal balance in savings account.
Mere ko smjh nhi aata kyun kuch log credit card ko itna bekar btane me lge hue h....
Agr mere ko 1 month ke liye interest free credit mil rha h to isme dikkat kya h??😅
10 saal se credit card use kr rha hun mai aisa boht baar hua h jb mere savings account me utna balance nhi tha bt still mne credit card use kiye
Mme payment hmesha due date se pahle ki mere ko to aaj tk koi dikkat nhi aai
Nd mera credit score bhi boht accha h
@@vikasRajput-mm1wm you got pro level of using Credit card, like me😋. The problem is not paying on time and keep increasing the debts.
Exactly what I do.. I buy using my CC... and then immediately pay it off.... I earn around 600 to 2k per month on cash backs... and I owe 0 by the end of the month
Konsa cc h
@@ZaikaBiharka29SBI CASH BACK CREDIT CARD
@@ZaikaBiharka29 ICICI Amazon Pay.. but cash back will only come in Amazon.. it works for me as I shop 80% from Amazon.. but HDFC also has good cash back cards.. you just have to explore what card suits your spending type
True! I am following it and my credit score is 855 😊
True lines...❤
I follow this rule 😁
If a person is disciplined enough he can use it to manage 15-20 days business transactions.....for that one must know about each transaction he's doing including the dates of transactions🥂
You are an honest person.
*A honest person
@@Empiredata561 No an honest person.. ( Sound "O" ki aa rahi hai Bhai). A.I.E.O.U ki Sound jaa ho waha An lagta hai...
@@deepakmethani8906sidh sidha bolo ki H silent hain or sound O or O ek vowel Hain people like me confused with this sentence a honest person or an honest person because h is not a vowel
@@Empiredata561 Wait a minute bro : tell me which are correct !!
1. I visited a university yesterday.
2. I visited an university yesterday.
3. I bought a umbrella today.
4. I bought an umbrella today.
5. Ram is an honest.
6. Ram is honest.
7. Ram is honest boy.
8. Ram is an honest boy.
@@deepakmethani8906I visited a university yesterday is correct
I bought an umbrella today is correct
Ram is an honest boy is correct
Not only for reward points sir, I use cc to build a good civil and I am sure everyone knows how imp it's to hv a good civil.
Pesa h kharch krne ka lekin credit card ki limit ka dhyan rakho. Use krna bhi zaruri h. Jyada use kre to bhi score down ho jata h.
Kbhi bhul gye pay krna to penalty ki tension.
Ye itna jyada hassle h ki kbhi na kbhi galti ho jati h. Isse acha to lo hi mt
Isi baat par subscribe kar diya aapke channel ko...badi sahi baat batai aapne.
Life too short for wait for things just buy with creditcard and pay later because time is more precious than money
Pranjal sir really you are a great Teacher
To the point answer ❤️❤️ really it's a genuine answer 👌
In simple terms... apply common sense 😌 means aukat me raho 😅
😅
@@user-vu5ho9fg2y😅😅😅
Most people take credit cards to avail EMIs on consumer items, since they're not available on debit card.
Wallah dost bahut imandari se baat karte ho aap. Warna to log bas samne wale bewakoof banane mein lage rahte hain😊
Make huge expenses from the credit card, for which the money is already saved in savings account. This will increase your savings and delay your payments or atleast let you pay in increments. Example: You use your CC just a day before you receive your salary, then the current salary and the next month salary can be safely parked before paying off the dues.
Buy only big things in credit card and put in emi . Don't use credit for small stuff and too much .
Use credit card only on things that you can buy without credit card. It can be very useful if use properly and consciously.
I started using CC from 1995. I always followed the said rule... here is a catch... Ek din aisaa bhi aayega ki aukat bhool jayenge (over confidence). Thise who used CC over 10 years known this very well.
True lines ❤
Bhaut hi acchi baat boali hai aap credit card kaa upyog apni aayashi ke liyye tooh bilkul nhi karenge
Bhai ulta boltey ho
Actually log cc ka use apni ayashi ke liye he krte hy
Very clear understanding
I use credit card for convenience, credit score, rewards, emergency and I have myself set credit card limit which I make sure my expense doesn't exceed that limit and I have been using credit card for 7 years and have excellent credit score which will definitely help me in future for any kind of loan if require.
Believe it or not but if credit card is used in a disciplined manner it can be very useful
Yes. I also use my card for discounts like Flipkart and amazo sale. and it's very satisfying when you get 2-3 k discount easily
I recently had to make a lot of purchases for home and thought of using my CC so that I can avail rewards but most merchants in our area these days don't give this option because most people pay through UPI and charges come in CC payment. It wasn't like this a year ago most shops had this option. I was disappointed because now my only option to use CC is for fuel and online purchases. So I don't get much rewards these days.
I would say, pay by credit card if u can pay it within next 30 days for sure. Thats the whole logic of CC. Money when its required but need ro repay asap. Not free money Not alrenate to savings balance.
This is what I call short and simple 😊
Thank you, Best suggestion, sir ji😊
Reward points lure you to expend more so in a way its not good for anyone. Probably good for those with very high financial discipline. But such people are miniscule in India.
I have taken just one credit card life time free, just to access airport lounge 😎. Thats the only one use n benefits i recon 😁
Which credit card??
And annual fees?
With every transaction on cards we are bleeding money out of India when your bank pays fees to Visa or Master etc. Say "No" to cards and "Yes" to UPI
Platinum Debit Card loge tobhi thik thak benefits mil jaate hain aur saath launge access bhi mil jaata h
Same.. M credit card se 3 lakh per year sales se kamata hu... Or offer use krte hi next day payment kr deta hu
One more thing Never withdraw cash from credit card,
Remember Never
I use credit card only for its superior dispute resolution- mainly in international transactions
I rarely use credit card. Only use when I get good offer otherwise not. My credit limit increased twice in last one year surprisingly. My all CCs are lifetime free.
Debit card is like pay first enjoy later while in credit card 💳 enjoy first then pay later with high amount (high interest rate)
My view.... I often have amount in my account, i just use it to get cashback, interest free money...
Very powerful message: Never buy anything with credit card that you can't buy with debit card or upi. Also, if you ever get one, never get rupay credit card and link it to upi
Hence Debit must be equal to Credit 😊
It's human psychology, it is for sure fixed who ever will have credit card will spend extra for sure may after months or years but surely. And then pay higher intrest rates.
Plus there might be few ways they have extra charges than normal debit card.
Great advise which is nearly never followed
Aur kahi sari cheeze hai. Purchase ka 2-5% credit card company ya bank ko jata hai jo merchant ko nahi milta jisse kuch local shops ke liye nuksan ho sakta hai. Kai sare hidden charges ex. Fuel surcharge, money withdraw from atm via credit card, 40-50% annual interest, and effect on other active loans aur kai sari cheze batate kuch he aur t&c me kuch aur hota hai. Matlab agar puri research na kari ho to mat lo, agar research karke acceptable lage to hi lo.
Perfect knowledge given by my ideal .... Hope to become someday like you ..
Same, i have 5 credit cards but 2 of them don't even get a bill, other 3 use just
bilkul main sirf petrol k liye CC use karta hun month end mein idea bhi ho jata Hain aur kuch credit card mein mil bhi jata hai
The only reason I got Credit Card is because I had to pay for my Digital Marketing services, which only have Credit Card payment option.
I always use my credit card for the offers and it also helped me to boost my cibil score
In my case as a business owner... Since there are times when the cash flow is less... I use my credit cards and when i have the money i pay the cards back... Like just last month i didn't had much in my bank... So i spent around 1.4L last month on Credit Card... This month i have the money and have already paid 90k... Will pay the rest 50k within next week... So even if i don't have money to pay using debit card i use my credit card lol😅😅😅
That's the rule our older generation teaches us. I always heard this in my home and although I stand at the borderline of Gen and Millenial, I still stick to the old gen rule. Loan bhi lena to ya to bahut jaroori kaam ho means life ka sawal ho tb lo ya phir purane employee ho jo Pension scheme k under the andsalary bhi achi h tb lo bcz Tax save hoga and jo loan lands kharidne me invest karoge wo return jyada degi future me and Installment me loan katate rahega biut ohir bhi future secure rahega bcz Pension to aise bhi hai hi. Bahut sare purane log aise hi bahut land me invest kr liye jo thoda bahut bacha wo retirement k time ka jo heavy amount hota h usse kuch pay krke khatm kr diye aur kuch deposit kiya aur pension leke last me chill maar rhe h but hamari gen ko to utna heavy risk nhi lena chahiye bcz dye to any reason agar job chali gyi ya khud hi chale gye to loan to rah jyga specially agar spouse k naam pe liya ho
You should take credit card to build credit score for future needs
Very true sir...i always follow this rule
Sir 6 years ho gye credit card use krte hue, apki advice achi hai but itna safe rehkar growth nahi ho sakti. Credit card ne mujhe bure samay me boht sath diya hai but thoda samajhdaari se use kare...
Well said Pranjal Sir
Good advice Sir... 😊
I use credit card mostly because of reward rates and airmiles. Apart from that no other reason
Exactly. I save get cash back about 600 p.m via Amazon icici card.😅
And the best part is I get cash back via cred. I get about 65 rs cash back p.m on cred
Aj tk mujhe credit card samjh hi ni aya .... Mai debit card bi use kiye 1 saal ho gye , mai investor hu mai sara invest kr deta hu
Sir from last 2 years I mostly used my credit card for my home groceries. I never used credit to buy an item that i can't afford
Same is what i do... For rewards only 😊
I use credit card to pay for international payments.
Everything made in this World has two sides , it depends on u which side u r
Credit card help to pay all my expenses from place & to pay one time in a month
I am planning to buy a credit card I don't care about rewards or points my purpose is to get as good a credit score I'm right now 19 years right i don't have any requirement of loans i didn't have taken loan but If i want to take a loan in future i will not able get lower interest that's why I'm planning the purpose is clear. What do you😊 think?
I spend less than 20% of my salary (Remote Job) but I use Credit Cards everywhere to improve CIBIL
Ekdam sahi baat boley Bhaia apne
Really Good advice
Credit cards brings many discount coupons with them that means saving so took credit cards
Credit score be like:you didn't have to cut me off 😂
Never forget to Pay , utilise below 30%
Bahut kaam ki cheez batayi bhaiya...Hume pata hi nahi tha..😂😂
Strongly Agree
Tata neu se transaction krne se neo pionts ko hum humare credit statement k against apply kr sakte amount deduct ho jata h ans since 1 neo point equals 1 Rs so aap monthly 500-600 credit bill se deduct krwa sakte ho..
Besr credit card
Great👍 words I love it
Same goes for online course mafia..
Agr mujhy kmai ho rii hai to sub ko ni chipka skta❤❤❤
Mai toh emi ke liye use karta hun or ab emi's bhut bann chukki hai.... Now i thinking to block all the cards..Will just one credit card for just online shopping offers
Only if used, smartly 💡
Inke kahne ka matlab daru pine se leaver kharab hoti hai,family pareshan ho jati hai. Fir vi agar daru piyen achhe se to wo dawai ka kaam kar sakti hai😅😅
Itne samajdaar log hote toh credit card kabka baand hojata
Maine 10k Ka Fix Deposit Ker Ke One Credit Card liya he Total Cashback 11k Mil chuka he 🤣 plus 10k pe 7% intrest bhi mil raha 😊
Bhai maine to credit card pe second hand grand i10 li h
Cards k bill gumata hu ak Dusre card se
Or shi h
Loan 40k interest ke sath milta cards se under 10k rh jayega
Credit card ache h👍👍
Mere pas 3 credit card hai 2 ki limit 45K hai or ek ki 3lac 15K m unko jyada use bhi nahi karta ese hi le liye hai dhang se use kro to credit card bahot badhiya hai
Reward, discount, membership,free money for 30-45 days , low interest emi. Iske liye liya hai credit card
Maine ek clinic me 44000 ka payment kr rha to clinic wala bola ki credit card se extra paisa pay krna padega.
Fir maine debit card se hi pay kiya😓😓
Yes Bhai discount ke liye hai use karta hoon.
Aur airport pe free lounge ka access 😅
Don't use credit card, use , credit means udhar, and udhar costs. Manage your expenses with earnings and manage savings and investments with earnings.
Thank You Pranjal ji
I put my money in FD and pay after 45 days using credit card. I get interest of 45 days.
I have made this mistake now. Now I have to cover all of this. My cibil is also impacted . But now I have learned how to use a credit card
Credit card saved me twice in an emergency.
If you don't do shopping from Malls and E-commerce then don't take Credit card.
I use the same rule.. if i can't buy it using debit card.. i won't use it buying my credit card
People should use credit card as a debit card only then it is beneficial
Why so many people just want to go in debt is beyond imaginable.