Improve CREDIT Score | How to Increase Credit Score Fast With These 2 Tricks | CIBIL Score Badhaye

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  • Опубліковано 4 гру 2024

КОМЕНТАРІ • 206

  • @namaskarprasad
    @namaskarprasad  Рік тому +2

    Open a Demat Account with ANY ONE of the following top stock brokers & get Our 6 stock market courses for free:
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    WhatsApp us your Registered Email ID on 7892541249 after opening Demat Account

  • @aniketsharma3000
    @aniketsharma3000 2 роки тому +31

    1. Pay your dues on time (full bill payment)
    2. Never use more than 25-30% of your credit limit
    3. Always do in depth research before getting pre-approved or applying for any credit card
    4. Always keep a gap of minimum 3months before applying for new credit card
    5. If you by mistake used more than 30% of your credit limit repay that amount before next bill generation
    6. Never discontinue your old credit cards the older the credit card usage is the better your credit history will be in eyes of bureaus. If you pay your dues on time.
    .
    .
    .
    All this points will help you maintain and build good credit score.

    • @RamzanKhan-ox4pv
      @RamzanKhan-ox4pv Місяць тому

      Sir my cibil score 779 but no loan approval why sir

  • @cknk8262
    @cknk8262 2 роки тому +34

    Credit card is not evil. It’s depends on individuals wisdom.All boils down to self discipline!

    • @Geekyavi1
      @Geekyavi1 2 роки тому +4

      30% max spending rule of total limit,
      One hack to prevent all the blunders ♥️

    • @byte-master
      @byte-master 2 роки тому +1

      Correct 👍

  • @dejazO0
    @dejazO0 2 роки тому +27

    pro tips:
    1. you can also check your detailed credit report in paytm and onescore apps.
    2. Amazon paylater make two loan acounts one from karur vyasa bank and capital float.
    3. speaking from personal experience credit inquiry does harm your score.
    4. you can easily get credit card against your fd with 110% of limit of your fd from onescore credit card.

    • @UJJAL_UD
      @UJJAL_UD 2 роки тому +1

      Helpful info buddy. Any idea why Amazon creates 2 accounts? Makes no sense right.

    • @dash8842
      @dash8842 2 роки тому +1

      @@UJJAL_UD bro I checked my credit report, Amazon pay later open two loan accounts , 80% from karur bank and 20% amount from capital float
      Of the total Amazon pay later limit you get

    • @raaga1994
      @raaga1994 2 роки тому +2

      My Amazon pay later was opened with IDFC first bank

    • @dash8842
      @dash8842 2 роки тому +1

      @@raaga1994 are you Sure ? Because IDFC se toh Flipkart pay later ka account hai

    • @keval_yt
      @keval_yt 2 роки тому

      Other Buynow paylater services create only 1 entry in credit report?

  • @devyadav6769
    @devyadav6769 2 роки тому +17

    this is my first channel for financials... And this statement i say proudly.. 🔥

  • @unchartedgaming4508
    @unchartedgaming4508 2 роки тому +2

    Technical impulse says' stock market are scripted.. what's your opinion. sir, kindly reply 🙏

  • @SonuKumar-hu9el
    @SonuKumar-hu9el 2 роки тому +6

    Your channel provide to point information. God bless u

  • @harshavardhanpatil2830
    @harshavardhanpatil2830 2 роки тому +32

    Thank you for using word - Credit score!

    • @techgem
      @techgem 2 роки тому +4

      😑 vo credit card wale credit score ki baat kr rha hai, vo nhi jo aap samjh rhe hai

    • @dheerajbangariofficial
      @dheerajbangariofficial 2 роки тому +1

      Yes credit score ,,not cibil score🔥

    • @mohitgupta3092
      @mohitgupta3092 2 роки тому +1

      🤣🤣

  • @prasad071000
    @prasad071000 2 роки тому +1

    I've loan against FD in Union Bank of India, they are charging 1% above the FD rate . Which is very attractive .It has really helped me improving my cibil score.

    • @hiddennetwork1518
      @hiddennetwork1518 2 роки тому

      Bro may i know, How much money u have deposited in FD and after that how many days it took to improve your credit score?

  • @arnab_bhowal
    @arnab_bhowal 2 роки тому +1

    Liquid fund provides around 4.5 percent XIRR , so it will not be able to nullify interest

  • @kalpaneyalokadally
    @kalpaneyalokadally 2 роки тому +5

    One score is the best app I used to track my Experian and CIBIL SCORE free of cost.
    Don't sign up for Flipkart paylater option.Theire customer encountering overdues reported in credit score without using it.Flipkart and IDFC not working on it till now. I'm facing this issue from past 6 months.
    Don't blindly enroll for pay later options provided by app and merchants.
    It is considered as personal/consumer loan and reflected in Credit Score.

    • @dash8842
      @dash8842 2 роки тому

      What is the difference between personal loan and consumer loan ?
      Flipkart pay later open a personal loan account and Amazon pay later open a consumer loan account

  • @techezee650
    @techezee650 2 роки тому +9

    Sir you and your team are amazing .they worked hard to serve best video to people like us a big salute to you and your team

  • @abinashlenka5593
    @abinashlenka5593 2 роки тому +3

    Sir convey is world best you tube channel 🙏🥺🥺

  • @RaviGauravPandey
    @RaviGauravPandey 2 роки тому +2

    Always avoid availing or using Pay Later facilities from e-Marketplace like Amazon, Flipkart or even Ola Cabs. I have checked my CIBIL where I have found that the Pay Later amount was actually a Loan account with exact amount as the Pay Later limit given to me. Now since these are Pay Later accounts so that Loan will never end as it is a credit line given by that E Commerce company. I had got these closed by calling the customer support and simply asked them to close the Pay Later accounts.

  • @zoezoe7709
    @zoezoe7709 2 роки тому +194

    Keep it up Mr. Dane you are the best --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Mr Dane helped me boost my score from 420-to 750. boosting my credit score was one of the happiest things that ever happen to me. you can contact him via WhatsApp + 1 971 274 0192 and have a reason to be happy like me

  • @oo735
    @oo735 2 роки тому +1

    Please Talk About Slice Card

  • @krishnasingla
    @krishnasingla 2 роки тому +3

    I just got my first credit card of HDFC (pre-approved) month back ..
    ps: I am 18

  • @madhavkulkarni8030
    @madhavkulkarni8030 2 роки тому +8

    One of my friend used slice credit card and when he checked his credit report he was having 2 loans form some other bank but he used only slice card. His CIBIL score totally f*ked up😠

  • @manishsalian9690
    @manishsalian9690 2 роки тому +5

    Not all Loan against deposits reflect in CIBIL.. please check with some of the bank's sir.. just a request.. May be many user will follow this..
    Before opening Loan against deposit do understand that you will be losing 1% over and above on your FD rate..

  • @GuysMatters
    @GuysMatters 2 роки тому +4

    Thank you Convey team

  • @souravdey5845
    @souravdey5845 2 роки тому +5

    Sir make a video on "liquid fund"

  • @atiffarooqui3426
    @atiffarooqui3426 2 роки тому +1

    If we use 100% or 80% utilisation limit then it ll also impact on credit score

    • @byte-master
      @byte-master 2 роки тому

      I think it does if use more than 30% of your limit as per the financial advisors, but if you pay it on time it should not affect your credit score 🤔

  • @finvestdilshad
    @finvestdilshad 2 роки тому +4

    Hello sir , can u make your next video on sip by ourself from teen age only advantages and disadvantages

  • @pillarishettysatyasagar6593
    @pillarishettysatyasagar6593 2 роки тому +1

    ICICI FD Linked Credit Cards will not reflected on CIBIL Quoting by Using the Same

  • @sajalagarwal6773
    @sajalagarwal6773 2 роки тому +5

    Doesn't frequent inquiry (1-2 months) of credit report also affect the score?

    • @MBangre
      @MBangre 2 роки тому +1

      There are 2 types of credit inquiries:
      Soft inquiry: When you are personally inquiring about your credit score. Such inquiries don’t impact credit score. You can do as many as you want.
      Hard Inquiry: Whenever you apply for any credit/ loan, the bank does hard inquiry which reflects on the report. This type of inquiries impact credit score.

    • @sajalagarwal6773
      @sajalagarwal6773 2 роки тому +1

      @@MBangre so in case I inquire via paytm free credit score check it won't hamper my score.

    • @MBangre
      @MBangre 2 роки тому

      @@sajalagarwal6773 yes, it won’t impact.

  • @nileshmandal
    @nileshmandal 2 роки тому +4

    Bhaiya bahut din ho gaye, Q&A please.
    #conveywarriors

  • @mdaamir2774
    @mdaamir2774 2 роки тому +1

    Aap nae bahut achchai topic pr video banaya hein..
    Sir please jald se jald agla video laeye...
    Mere pan se bhi kuch loan liya gya h...or mera CIBIL score khrab ho gya h.
    Please koe bahtar solution dhundye

  • @HIMANSHUSINGH-bx5gq
    @HIMANSHUSINGH-bx5gq 2 роки тому

    cred pr check kr skte h easily detailed credit score , it also shows credit mix

  • @JarvisInvest
    @JarvisInvest 2 роки тому

    A high credit score increases your chances of getting a loan or credit card and a low score completely ruins it.
    Note that banks do not like to give loans or credit cards to people with the low score because they do not trust them with their money.
    Despite having a low score, if you get a card or loan, then your credit limit may be low or you might have to pay a very high rate of interest.
    To prevent this, you must improve your credit score.
    This was a necessary take, thanks for posting!

  • @adityapatil-pt8pi
    @adityapatil-pt8pi 2 роки тому +1

    If we generate free credit reports on these website , it will reflect as inquiry entry in my credit report ???

  • @TanishqMishra_IIT-R
    @TanishqMishra_IIT-R 2 роки тому +2

    The dark side of credit card is I believe a criminal offence, Prasad you should definitely spread awareness .

  • @IMTheOneGuy118
    @IMTheOneGuy118 2 роки тому

    Is loan against FD considered secured loan in cibil ? What about cc against FD ? It shows as credit card ( unsecured ) in credit report ?

  • @sushilkanojiya_
    @sushilkanojiya_ 2 роки тому +2

    I have amazon pay later, I deleted my amazon account but amazon pay later didn't get deleted and now amazon and IDFC bank both are pointing on each other, amazon is saying as you don't have that account so you we cannot detect it cannot delete pay later and IDFC first bank is saying that it can be done by amazon only. It is showing in loan section in my cirf score

  • @ravindramahajan8362
    @ravindramahajan8362 11 місяців тому

    Thank you sir. Very informative content

  • @joykrishnagiri9847
    @joykrishnagiri9847 2 роки тому +2

    It's very helpful ☺️👍 sir thenk you I am waiting for next video

  • @tarushjain
    @tarushjain 2 роки тому +1

    ONESCORE & CRED is also a gd option to check credit report

  • @Kashif_17
    @Kashif_17 2 роки тому +1

    Investment banking ki history k baare me video banao please🙏

  • @govinda9554
    @govinda9554 2 роки тому

    Sir sir ...NIFTY call option ko lower circuit lag jata hai to contract sell nahi hota to penalty kitna lagta hai

  • @techezee650
    @techezee650 2 роки тому +1

    Best idea for to improve CIBIL score

  • @gauravchavan6740
    @gauravchavan6740 2 роки тому

    Demand account kaise khole

  • @vibhors
    @vibhors 2 роки тому

    Bhai konsa liquid fine 8-9% ka return deta h

  • @Indian.Bharat
    @Indian.Bharat 2 роки тому

    nice informative vdeo sir paytm me bhi ata hai cr score ...wo kaisa hai ?? i have checked mine personally ,.

  • @deepanshusharma9632
    @deepanshusharma9632 2 роки тому

    Yesterday I got my 1st credit card

  • @SandeepSingh-xn5di
    @SandeepSingh-xn5di 2 роки тому +1

    Very useful video 👌👌👌👌 keep it up 👍👍👍👍

  • @mohitpatel7281
    @mohitpatel7281 2 роки тому +6

    Convey where are the bloopers really missing it😂

  • @UJJAL_UD
    @UJJAL_UD 2 роки тому

    Cibil allows you to check 1 free report annually

  • @shoebfarhad
    @shoebfarhad 2 роки тому +2

    Nice visuals....

  • @junedkhan-zv6oh
    @junedkhan-zv6oh 2 роки тому

    Plz make video on utilisation of credit card

  • @hrithikjain5466
    @hrithikjain5466 2 роки тому

    But how can we take loan?

  • @Sourav_MadridCF
    @Sourav_MadridCF 2 роки тому +1

    Love From Odisha ❤️❤️

  • @sureshnishtala2887
    @sureshnishtala2887 2 роки тому

    Thank you so much sir....its very useful

  • @mukeshpandeyt
    @mukeshpandeyt 2 роки тому +1

    Thank you Bro ♥️🙏

  • @harshkhandelwal210
    @harshkhandelwal210 2 роки тому +1

    I just checked my Credit report and found an unusual Personal Loan sanctioned by IDFC First Bank in Active state which I never applied/asked for. Can someone please suggest how to get this issue rectified? Should I call that bank or Raise a dispute with bureau?

  • @arpandoshi9878
    @arpandoshi9878 2 роки тому +1

    Does checking credit score frequently will reduce our score?

  • @sujityadav208
    @sujityadav208 2 роки тому

    Mere saath bhi same hua...mere credit report me unknown loan show kar raha hai...ab problem is how to identify that loan and whom to contact..

  • @punitshetty8814
    @punitshetty8814 2 роки тому

    How to correct Date of Birth in CIBIL?

  • @atharansari8579
    @atharansari8579 2 роки тому

    Sir online Liquid fund dene wale koi bank hai

  • @Vish0322
    @Vish0322 2 роки тому

    very good video.. but jab hum credit score dekhte h tab 15 points down hota hai.!!. ye true hai..?

  • @sohan3949
    @sohan3949 2 роки тому

    Bahoot sahi se samjaya apne
    Sir mera ek ZIP loan show ker rha he mobiwik me kese isko dur kru kru
    ye mobiwik se band nhi ho rha he please help me

  • @mohanrams7232
    @mohanrams7232 2 роки тому

    Very useful and practical..

  • @syedshahbazuddin9812
    @syedshahbazuddin9812 2 роки тому +2

    Waiting fr part 2..

  • @abinashlenka5593
    @abinashlenka5593 2 роки тому +2

    Sir ham business consultant and motivesnal speaker kase bane aur konsa course kare full case study banaye 🥺🙏🙏

    • @businesslearningschannel8568
      @businesslearningschannel8568 2 роки тому

      Brother i can help you to achieve this goals in fully practically way.

    • @ShailendraSharmaDark
      @ShailendraSharmaDark 2 роки тому

      business consultant ka to pata nahi lekin motivational speaker kaise banna hai yeh mujhe pata hai, logo ko sapne dikhao jo kabhi bhi pure naa ho

    • @businesslearningschannel8568
      @businesslearningschannel8568 2 роки тому

      @@ShailendraSharmaDark 😂😂😂😂

  • @aniketsharma3000
    @aniketsharma3000 2 роки тому +1

    So some user on internet posted one issue with with Amazon pay later feature that they aggressively do inquiry on your profile whenever you use pay later option and that hampers your credit score badly even if you are paying your dues on time still those hard inquires will bring down your credit score drastically so stay away from this traps.

  • @Sheikhji
    @Sheikhji 2 роки тому

    Sir make a video in Slice ,fi and uno cards kya in ko use karne se hamarw credit score par farq padta hai kya aaj kal ye cards ki ad bohot aa rahi hai.

  • @pirangitharun8736
    @pirangitharun8736 2 роки тому +2

    Because of Flipkart pay later my credit score damaged a lot. And it took months to identify. If anyone is using those paylater, immediately deactivate them.

    • @anuragrokade1322
      @anuragrokade1322 2 роки тому +1

      Bro even I use Flipkart pay later.
      But I always pay my bills before 5 day of month.
      Will it affect my credit crore?
      Or should I deactivate Flipkart pay later?
      Ty

  • @thakurtimmy8624
    @thakurtimmy8624 2 роки тому

    Dahnyabadh bahi important ones 👌✌👍🙏

  • @MoneyCluces
    @MoneyCluces 2 роки тому

    I Also Found Amazon Pay Loan in my Details Cibil Report

  • @sayanbiswas9476
    @sayanbiswas9476 2 роки тому

    Mere nam pe 2 loan account hai. But Maine koi v lon lia hi nahi. Isko close kaise karna hai pls bata do.

  • @jaydeep8477
    @jaydeep8477 2 роки тому +1

    Credit Agencies ko link provide kre please 🙏

  • @Abhishekkumar-lh5yo
    @Abhishekkumar-lh5yo 2 роки тому

    I am not using any Credit cards and I don't have any loan so can I check my credit score.
    Is it possible??

  • @Naveen6381
    @Naveen6381 2 роки тому +1

    Prasad sir smart hote ja rhe ho aap....

  • @nitiprakashdas5800
    @nitiprakashdas5800 2 роки тому

    Bhai Who Builds Indian...
    Ka Video Kahan Gaya ...
    App itna Hipe Bana diye the.

  • @BeautifulNaturelover143
    @BeautifulNaturelover143 2 роки тому

    Next video kab aa rha hai

  • @bigsmoke1521
    @bigsmoke1521 2 роки тому +1

    Very informative video! Thank you

  • @sayonepoint8711
    @sayonepoint8711 2 роки тому

    bro u are a engineering graduate how would you learn about financial knowledge can u tell me?

  • @shivamwarwadkar4107
    @shivamwarwadkar4107 2 роки тому

    Thank you

  • @fhuckeera
    @fhuckeera 2 роки тому

    2 million soon✌️

  • @avinashjha1421
    @avinashjha1421 2 роки тому

    I am 18 years old. I have used a slice card when I check my cibil score on the Bajaj finance app it shows you have no credit card.

  • @budhadithyamallick4259
    @budhadithyamallick4259 2 роки тому

    Really a informative video. Eagerly waiting for upcoming videos on credit card/bnpl.

  • @sonukumarvlogs6941
    @sonukumarvlogs6941 2 роки тому

    Cibil score 300h kaise thik Kare sir please reply video ji

  • @bhudevpareek2806
    @bhudevpareek2806 2 роки тому +1

    Dear convay.team
    I watched you video but can't find my cibil score
    Please provide an Link of high mark or any other way to make sure to check my score

  • @uddiptakumarbaishya4835
    @uddiptakumarbaishya4835 2 роки тому

    Excellent sir

  • @marketworldindia
    @marketworldindia 2 роки тому

    aapne abhi tak #Paytm par koi video nahi banaya...

  • @tech_Turner
    @tech_Turner 2 роки тому +1

    Sbi का क्रेडिट कार्ड बंद करना है हो नही रहा है ,,

  • @harshalpangam1711
    @harshalpangam1711 2 роки тому

    Prasad sir plz make video on green bubble explain us thank you

  • @sangmeshpatil1129
    @sangmeshpatil1129 2 роки тому

    My cibil not going above 800, currently at 778

  • @wjames092
    @wjames092 2 роки тому

    Nice vedio sir
    Please highlight on liquid fund
    Are there any tax saving liquid funds?

  • @Moh_Abdul_Kader
    @Moh_Abdul_Kader 2 роки тому

    sir me online payment karta hu or muje bhi online paise pay hote Hai
    sir 1 saal me kitna paise hum online le sakte hai or kitne paise online paymnt kar sakte hai or is par kya tax rate hota hai.
    please sir aap tax ke baare me online paymnt ke baare me ek. video banye

  • @I_am_Indian
    @I_am_Indian 2 роки тому

    Insurance pe jo short banaye the uspe ek documentary banao

  • @vikeshdohe27
    @vikeshdohe27 2 роки тому

    Detailed Credit score can be generated on CRED every month with free of cost.

  • @chandankumarsharma9931
    @chandankumarsharma9931 2 роки тому

    So it's like create an fd & earn 5% on it, take a loan against the fd & pay 7.5% on it, keep this loan in saving account and earn 3% on it. So, ultimately, you earn almost 0% on your fd for your credit score.

  • @karanbramhane908
    @karanbramhane908 2 роки тому

    Bro, pls release the video on amazon pay later

  • @blackcobra7118
    @blackcobra7118 2 роки тому

    I applied for uni, n i have got a credit limit of 20k ,wit pay half fesility,on using this since 3to 4 mts (sbm) bank, I was pretty happy. On checking my cibil report through paisa bazar i noticed tht it's mother bank is frm Mauritius, n they pick a consumer loan wch they provide to us as credit, though it's not a credit but BNPL card, but a loan account is shown, n it does affect yr cibil score, is this fine or not plz 🙏let me knw

  • @86rajeshprajapati48
    @86rajeshprajapati48 2 роки тому

    Thank u sir

  • @ICTF947
    @ICTF947 2 роки тому +1

    Sir you are my favourite financial guru.
    Sir plz again start giveaway of opening demate account from your link

  • @uraa7509
    @uraa7509 2 роки тому

    Sir, can u please make a video in details about Forex Broker in India.

  • @namaskarprasad
    @namaskarprasad  2 роки тому +23

    Download the Hirect App now : hirect.page.link/hKne

    • @turismoknowledgewithrealey2648
      @turismoknowledgewithrealey2648 2 роки тому +1

      Galat credit use awareness usa me v nae h europe pe bhi nae is se h ye bank kamarahi dekho vaha k research report ye ek scams h credit card

    • @bhudevpareek2806
      @bhudevpareek2806 2 роки тому +1

      Dear convay team
      I watched you video but can't find my cibil score
      Please provide an Link of high mark or any other way to make sure to check my score

    • @Pyarabaccha7766
      @Pyarabaccha7766 2 роки тому

      Please read banko ka mayajal

  • @pm-lk7fr
    @pm-lk7fr 2 роки тому

    Hello sir, how can i contact with you???

    • @patricialane7090
      @patricialane7090 2 роки тому

      The name mrx with the info above are the best truly they help me and saved me from my student loans and all negatives on my credit profile. I highly recommend im currently moving into my new home with two beautiful daughters and kod,my dog with an 800 score across all bureaus......

  • @amanshukla1167
    @amanshukla1167 2 роки тому

    What to do if someone like Amazon Pay later/CRED/Flipkart Pay Later has taken loan and it's showing on report. Can we ask them to close it? Whom to ask and how to resolve this?

    • @kalpaneyalokadally
      @kalpaneyalokadally 2 роки тому

      Amazon and Flipkart customer service.

    • @amanshukla1167
      @amanshukla1167 2 роки тому

      @@kalpaneyalokadally I can see karur vysya Bank consumer loan on my behalf. And not sure which service provider took it on my behalf. If anyone has any knowledge about it, do let me know.

    • @kalpaneyalokadally
      @kalpaneyalokadally 2 роки тому

      For Amazon pay later.
      Actually if you have limit of 10K out of which 2k is from Capfloat and 8K from Karur Vysya.
      In turn your single Amazon paylater account has 2 loan provider.

    • @amanshukla1167
      @amanshukla1167 2 роки тому

      @@kalpaneyalokadally agree.

  • @wasiqkhan6518
    @wasiqkhan6518 2 роки тому

    Sir mujhe share market broker refer karo best wala Mera account hai 2 jagah magar service sahi nahi hai mujhe daily call chaheye. Konsa Sher buy kare sale kare