I have 27 Credit Cards out of which 25 are physical cards and 2 are virtual cards. With total credit limit of 1.1cr and 0 over draft. With credit score of 804 in CIBIL
@@TejasSynccards depend on your usage.. One card can be useful for me but not for you.. My preferred cards are Amex MRCC, Tata Neu Infinity, AU Zenith plus, Kiwi, Hdfc Swiggy and SBI cash back
Already have yes finbooster credit card ( 2 card one physical visa another rupay virtual)LTF ….no good benefits of these cards only the 10% discount offer in flipkart and Amazon. but yes bank second card issue nahi karta 😢. Kiwi wala card chahiye tha ,, solution Kya hai?
Don’t try, they are asking for 5 lacs in-hand salary now, thats insane criteria. They may still consider if credit limit of your current HDFC card is more than 10 Lacs and usage in last 1 year is more than 50%. But chances are 50-50. No guarantee. You can instead go for Atlas
Bhai kis bank ka kiye the, bank wale na jaan k cibil kharab karne k lie aisa karte hai. Jis bank ne reject kia usme life me kabhi apply na karna. Mera 846 tha 780 kara dia bevkoof bank wala sab. Abb jakar ek saal baad 803 hua hai.
Sar sbi unipay par amount debit hua hai credit card bill payment ke waqt aaj 17 din hue refund nahi aaya hai charge back ka form bhi bhara hai bank main jake kab tak aa sakta refund??
I have a question about the utilization %... Does the utilization needs to be below 30% overall (multiple cards included) or for each card individually ?
Sir mera Axis Ace phela Credit card hai..uska upgrade option aa raha hai jisme Atlas mil raha hai. Upgrade karne par credit history delete to nhi ho jayega? Please reply
Hi if I use axis atlas credit card for paying school fees by jodo app then we will get rewards or not ? If rewards are not getting then atleast that spend will be considered for Milestone? Plz reply
Education fee payment is considered for both regular reward points and milestone. Just that, it charges 1.18% charge for education payments through third party
We can use as per our wish but pay off majority or leaving less than 30% unpaid before bill generation rate right? Den utilization ratio will be how much v wud ve left unpaid? Can u confirm?
@ no sir I was asking about utilisation ratio… if my limit is 1 lakh n i spend 80k but pay off 60k before statement generation date … so utilisation will be counted as 20%(80-60) ?
In first year, its 3500+gst he = 4130. But you get 14000 reward points as welcome bonus. To fee easily recover ho jati he. On renewal, ek phone se customer care minister 50% discount de deta he fee me. Full waiver bhi hota he
In my opinion its pure suicidal. People should never take owning credit cards into a pride issue. The more the card is not more the greater. How you decide on one or two cards which benefit your lifestyle is what is of greater importance. I dont think the younger generation get it....
Sir, I also have 10 cc , but i was always afraid of ki kahi mai kisi din bill pay karna na bhul jau// late payment ka kalank, agar mai use na karu aur annual charge kat jaye mai bhul jau to iska koi upay hai jisse me sare 10cc ko ek bank se auto pay set kar du , hdfc smart pay hai lekin agar usne bhi miss kar diya to ,,, koi best auto pay karne ka method bataye ho sake to iske bare me vistar se video banai , ,,, sir
Koi do din set krlo in a month, accordingly, divide kro credit cards un 2 days mai let say 5,5 both days. Aisy you only have to remember 2 payment dates
Can anyone have info on irctc sbi rupay cc, If someone has this card on his name and book a ticket for someone else will then reward point be applicable? Also if let say there are 4 member in a ticket the rewards will be given on the total cost right? And as sbi cashback credit card doesn't give discount offering in amazon or flipkart does this irctc sbi rupay cc give those discount?
Bhaee sahab mere paas 18 hain 1.39 CR TCL k saath or Haan SBI fees 500 or abhi ek new banwaya hai HDFC TATA infinity 1500 fees wala jo first year free hai ek saal baad band karwa doonga😅😅
@TejasSync if you have that much of cards use one card as bill date and try to maintain that amount in your IDFC savings account for at least 40 days..like this when u will calculate that how much money have been hold for 40 days and get interest of 7.25% .This is an smart saving.
You just need to get eligibility as per salary criteria for getting LTF. If that criteria is not met they will offer FYF or paid. Ultimately it's a useless card other than Book My show offer.
@@siaumsreen for me its available in chargeable basis in Imobile...... yes you are right its not worth for paid..... I just wanted to get for overseas lounge access.....
Itna card rakhna jaturi tha..mujhe nhi lgta..5 card aesa rakho jo hajaro card ka mixar ho..sala itna rkha to manege karne me bahut miss ho sakta h..aesa lgta h aap pura credit card me hi jinda ho😂😢😮😅😊
Everything is possible and negotiable in banking. SBI ne bahut logo ke SimplySave, SimplyClick aur Cashback cards lifetime free kiye he last 1 saal me.
Income tax is on income, not on spending. I pay full tax on my income. And I only have good credit limits, but actual spend is just 1% of my credit limits.
Mere cibil score 776 hai pehle hdfc swigyy credit card approve ho gaya uska bad hdfc pixel decline ho gaya uska bad idfc ka apply kiya wo fd wala da raha hai or kal yes bank ace credit card decline ho gaya
Idfc ka mt kr bhai boht ghatiya h ye log mere 790 score pe b FD card dere h. Score down kr dia. Baki sbhi major banks m 1st tym m hi approval mil gya tha
@@MHSNMEDIA chances kam h kyuki phle se koi card nhi h na to better h koi fd based card lelo or use 3-6 mnths use kro then apply kro. Confirm h ki approve ho jyga
Thank you for such a informative video.
Welcome 🤗
I have 27 Credit Cards out of which 25 are physical cards and 2 are virtual cards. With total credit limit of 1.1cr and 0 over draft. With credit score of 804 in CIBIL
Bhai konsa best hai crd ❤
804😮
I have 13 card and score 778
@@TejasSynccards depend on your usage.. One card can be useful for me but not for you..
My preferred cards are Amex MRCC, Tata Neu Infinity, AU Zenith plus, Kiwi, Hdfc Swiggy and SBI cash back
Wow..great
Please share list of cards,for which u pay annual fee ....
Great video thank you so v much
Welcome 🤗
Great 👍
Thanks
SBI cashback 4 baar apply Kiya hu har 6 mahine k gap pr lekin har baar reject krdeta hai
Hdfc card limit too high how income basis or usage basis
Not able to apply tiger card due to show already applied any card while I have legend card earlier... please help
Same here. But i emailed the bank they reverted with that if you have leged card you can not get tiger card, you must get upgrade offer from the bank
Kon.sa.card.chaia
jayada Limit ke liye konsa card le?
Nice...
Already have yes finbooster credit card ( 2 card one physical visa another rupay virtual)LTF ….no good benefits of these cards only the 10% discount offer in flipkart and Amazon. but yes bank second card issue nahi karta 😢. Kiwi wala card chahiye tha ,, solution Kya hai?
Which app you are using to track total limit?
Gpay. On Gpay, you get Free CIBIL score option. You get all tracking there
J&K bank क्रेडिट कार्ड का भी रिव्यू करिये 🙏
Can you make a video and explain which bank offer how many credit card
Which card has Guest International Lounge access with lowest fee?
Axis Atlas Rs.5900 fee including gst. No other card with lower than this fee
Indusind tiger me we need not buy any ticket like indusind legend B1G1 Offer?
No, it’s directly free. Just buy 1 ticket if Rs.500 free on bookmyshow every 6 months
Infinia ke approval chances badhane ke liye kya kare ?
Don’t try, they are asking for 5 lacs in-hand salary now, thats insane criteria. They may still consider if credit limit of your current HDFC card is more than 10 Lacs and usage in last 1 year is more than 50%. But chances are 50-50. No guarantee.
You can instead go for Atlas
Sir r u salaried or self employed
Or whats ur annually income for that insane limits
U got on usage basis or income basis these limits
My Credit Card Application Got Rejected Just Because Of High Credit Score..😂😂😂
Same 😂😂😂
Bhai kis bank ka kiye the, bank wale na jaan k cibil kharab karne k lie aisa karte hai.
Jis bank ne reject kia usme life me kabhi apply na karna.
Mera 846 tha 780 kara dia bevkoof bank wala sab. Abb jakar ek saal baad 803 hua hai.
@@VidhiWakta It’s SBI and HDFC, My cibil was 860 now 750. These banks are totally unregulated in terms of credit rating.
Bhai mera cbil show nhi kr rha par experian score show ho RHA hai kyu @@VidhiWakta
Itna bada gunah kar diya tumne to reject to hona hi tha😅
How much is your annual spend bro? 😅
vahi na lagta hai ye ambani ka relative hai
I have 32 cards with 799 cibil.
kya kharcha krta hai bahi unse esa
Sar sbi unipay par amount debit hua hai credit card bill payment ke waqt aaj 17 din hue refund nahi aaya hai charge back ka form bhi bhara hai bank main jake kab tak aa sakta refund??
Abhi tak to aa jana chahiye tha. Bank main follow up karo
@@SpendWiselyOfficialcharge back ke bad kab tak aa jayega payment?
Sbi bank h na bohut time lgega@@SpendWiselyOfficial
I have a question about the utilization %... Does the utilization needs to be below 30% overall (multiple cards included) or for each card individually ?
Overall if u are considering cibil.
Sir mera Axis Ace phela Credit card hai..uska upgrade option aa raha hai jisme Atlas mil raha hai. Upgrade karne par credit history delete to nhi ho jayega?
Please reply
Nahi! Upgrade karne ka yehi fayda hain history delete nahi hoti hain!
Hi if I use axis atlas credit card for paying school fees by jodo app then we will get rewards or not ?
If rewards are not getting then atleast that spend will be considered for Milestone?
Plz reply
Education fee payment is considered for both regular reward points and milestone. Just that, it charges 1.18% charge for education payments through third party
Thanks
Aapkee fees total kitne hai. Lagta hai 20000 to ho saktee hai
We can use as per our wish but pay off majority or leaving less than 30% unpaid before bill generation rate right? Den utilization ratio will be how much v wud ve left unpaid? Can u confirm?
Now, RBI has mandated banks to report card status and outstanding once in every 15 days
@ no sir I was asking about utilisation ratio… if my limit is 1 lakh n i spend 80k but pay off 60k before statement generation date … so utilisation will be counted as 20%(80-60) ?
Yes@@MrSumedh12
Sir how to request to bank to convert my credit card lifetime free?
Send request for closure , when they call u tell I want lifetime free card
5.9k fees for Amex plat travel
In first year, its 3500+gst he = 4130. But you get 14000 reward points as welcome bonus. To fee easily recover ho jati he. On renewal, ek phone se customer care minister 50% discount de deta he fee me. Full waiver bhi hota he
Indusind tiger credit card gives 500 gift voucher of book my show for movie tickets or any other process please sir reply???
BookMyShow
@SpendWiselyOfficial thank u sir ji 🙏 may be indusind mail that gift voucher code in every 6 month???
Aapki airtel axis ki limit kitni hai?
Axia ke tino cards ki shared limit he 6.7 lacs
experian score 764 hai cbil show nhi ho rha, kya me credit card aply kr du ???
Nahi, bahut kar he score. Wait for 6 months at least
@SpendWiselyOfficial sir best rupay credit crd konsa hai??
In my opinion its pure suicidal. People should never take owning credit cards into a pride issue. The more the card is not more the greater. How you decide on one or two cards which benefit your lifestyle is what is of greater importance. I dont think the younger generation get it....
How to get credit mix excellent? Mine is just Good
Have secured loan too (gold loan or fd based credit card)
How to get 10% cashback for other recharges with axis airtel credit card?
Recharge any brand’s mobile connection on Airtel Thanks appp using Axis Airtel
@ sir, while jio recharging there is no cashback message showing below axis airtel credit card. How to know about 10% cashback
Cash back statement me aayega@@deepakgaikwad2006
Sir, I also have 10 cc , but i was always afraid of ki kahi mai kisi din bill pay karna na bhul jau// late payment ka kalank, agar mai use na karu aur annual charge kat jaye mai bhul jau to iska koi upay hai jisse me sare 10cc ko ek bank se auto pay set kar du , hdfc smart pay hai lekin agar usne bhi miss kar diya to ,,, koi best auto pay karne ka method bataye ho sake to iske bare me vistar se video banai , ,,, sir
Use cred/indmoney. They will keep you reminding about your credit card bill payments
Koi do din set krlo in a month, accordingly, divide kro credit cards un 2 days mai let say 5,5 both days. Aisy you only have to remember 2 payment dates
Yes KIWI mila hi nahee
Sir Amex card apply krne k baad rejection aa gya reason pin code not serviceable. Could you please provide serviceable pincodes for amex cards
Can anyone have info on irctc sbi rupay cc, If someone has this card on his name and book a ticket for someone else will then reward point be applicable?
Also if let say there are 4 member in a ticket the rewards will be given on the total cost right?
And as sbi cashback credit card doesn't give discount offering in amazon or flipkart does this irctc sbi rupay cc give those discount?
Nope. 5% only for card holder. Card holder should be in passenger list.
HDFC IRCTC gives 10% over all passengers.
@@bhanuagarwal7861 ok thanks for this info
got discount offers during flipkart, amazon sales
Bhaee sahab mere paas 18 hain 1.39 CR TCL k saath or Haan SBI fees 500 or abhi ek new banwaya hai HDFC TATA infinity 1500 fees wala jo first year free hai ek saal baad band karwa doonga😅😅
Kuch tips
@TejasSync if you have that much of cards use one card as bill date and try to maintain that amount in your IDFC savings account for at least 40 days..like this when u will calculate that how much money have been hold for 40 days and get interest of 7.25% .This is an smart saving.
Any Suggesion how to get ICICI Sapphiro card LTF.... I have a account with ICICI and they are offering me joining and Annual fee ??
You just need to get eligibility as per salary criteria for getting LTF. If that criteria is not met they will offer FYF or paid. Ultimately it's a useless card other than Book My show offer.
@@siaumsreen for me its available in chargeable basis in Imobile...... yes you are right its not worth for paid..... I just wanted to get for overseas lounge access.....
You can get it LTF through ICICI Alumni program. If your college is in the list then you will get it LTF
Itna card rakhna jaturi tha..mujhe nhi lgta..5 card aesa rakho jo hajaro card ka mixar ho..sala itna rkha to manege karne me bahut miss ho sakta h..aesa lgta h aap pura credit card me hi jinda ho😂😢😮😅😊
Ye paisa leke bhagne wale Hai. Another vijay Mallya case
Best RUPAY card ?
Yas bank kiwi credit card
SBI Kabhi LTF nahi krta.
Everything is possible and negotiable in banking. SBI ne bahut logo ke SimplySave, SimplyClick aur Cashback cards lifetime free kiye he last 1 saal me.
Mera bpcl ltf kiya h ji
Dont you face any issue while spending so much through credit card in income tax
Income tax is on income, not on spending. I pay full tax on my income. And I only have good credit limits, but actual spend is just 1% of my credit limits.
1st comment.
Thanks dear 🙏
Mere cibil score 776 hai pehle hdfc swigyy credit card approve ho gaya uska bad hdfc pixel decline ho gaya uska bad idfc ka apply kiya wo fd wala da raha hai or kal yes bank ace credit card decline ho gaya
Don't apply too many credit cards or loans within very short period.
Idfc ka mt kr bhai boht ghatiya h ye log mere 790 score pe b FD card dere h. Score down kr dia. Baki sbhi major banks m 1st tym m hi approval mil gya tha
@@notsoajitbhaiya mera cibil 760 plus hei Or abibhi koi credit card nhi hei to bhaiya ab apply karo to appve hoga keya koi card please bhaiya
@@MHSNMEDIA chances kam h kyuki phle se koi card nhi h na to better h koi fd based card lelo or use 3-6 mnths use kro then apply kro. Confirm h ki approve ho jyga
@@notsoajit ji ok