கிரெடிட் கார்டில் நாம் செய்யும் தவறுகள்!!! கிரெடிட் கார்ட் எப்படி வேலை செய்யும் தெரியுமா??
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- Опубліковано 10 вер 2024
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ஆனந்த் ஸ்ரீனிவாசன் அவர்களின் டெலிகிராம் பக்கத்துடன் இணைய, கீழே உள்ள இணைப்பைக் கிளிக் செய்யவும்: t.me/moneypech...
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எங்களிடம் நேரடியாக ஆலோசனை கேட்பதற்கு, இணைப்பைக் கிளிக் செய்யவும் : anandsrinivasa...
எங்கள் பிற UA-cam சேனல்கள் :
Be Rich - (In English) / @berich467
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மக்கள் பேச்சு - Makkal Pechu - / makkalpechu
உங்கள் பிராப்பர்ட்டி - Ungal Property - / @ungalproperty7102
Paisa Boltha Hai (Hindi) - / paisaboltahai1
புத்தகங்களை வாங்க:
ஆனந்த் ஸ்ரீனிவாசன் அவர்கள் எழுதிய புத்தகங்களை நேரடியாக எங்களிடம் வாங்க,கீழே உள்ள இணைப்பைக் கிளிக் செய்யவும் :
rb.gy/joptqf
ஆனந்த் ஸ்ரீனிவாசன் அவர்கள் எழுதிய புத்தகங்களை அமேசான் கிண்டிலில் வாங்க.
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பணம் எனும் மந்திரம் (தமிழ்)
www.amazon.in/....
சாதாரண பங்கு அசாதாரண லாபம் (தமிழ்)
www.amazon.in/...
Ordinary Stocks, Extra Ordinary Profits (English)
www.amazon.in/...
Alchemy Of Money : (English)
www.amazon.in/...
All About Mutual Fund : (English)
www.amazon.in/...
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உங்களின் அறிவுரை கேட்பவர் வாழ்க்கையின் அடுத்த கட்டம் செல்வார்கள்... உங்களின் நல்ல எண்ணம் வாழ்க sir q🙏🙏🙏🙏🙏👍
Romba correct ta sonninga vinod but nan neenga sonna use ikku mattumea credit card 10years sa discipline na use pannurean ......🎉😊❤
Using a credit card needs a lot of discipline. You should never use your credit card when you don't have money in your bank account. As simple as that ...
I agreed 💯❤
Sir,ninga solradu correct,Anna konjam makkal credit card use Pani no cost EMI ku use kuda panranga,awareness Irundu kadan illama kuda credit card use panrunga,statement varadu ku munnadi katti du wanga,yarr ellam plan panrangalo avanga kadan vanga mattanga sir.🎉🎉🎉🎉🎉🎉
What he says cc gives illusion of non existent money
But hidden charges we won't know but we'll paying to bank without our knowledge
But no cost EMI ikku 18%GST pay pannanum sir .......processing fees Vera pay pannanum sir...
Athu ethukku appadi pannanum, thevai illatha aani
@@AAVALILOGUBut NO cost emi ku 4-5k offer irukum discount aagum athuku patha gst and processing fee maximum total ahh 1k aagalam epdi pathalum athu gud than.But offer illama use panna athu waste of money.
Sir I have been using credit for 8 years . If I am making a big purchase like gold I will use a credit card.. and book a 45 day FD of that gold purchase cost .. during due day I will pay credit card bill amount using fd.. by doing this I am earning interest in that money and getting some points in the credit card.. instead of paying in cash i pay it through CC.. I can track all my expenses using a credit card bill..
what will happen to gold making charges, gst etc? will that not affect your returns
@@financestockeconomics my point is instead of spending cash for gold purchase I am using CC and put that money in FD
@ 10:57 one and only listed company who issue Credit card 💳 exclusively and also listed is "SBI Card Ltd"
Invest in it for a long term (5-6 yrs)
Very important & useful information with great advice. I am using credit card since 1998 but use only when there is balance in my sb account. I used to pay on receipt of salary irrespective of due date so that i will not over stretch. Thank you Anandji 🙏
வாழ்க வளத்துடன். வாழ்க வையகம்.
I've never used cridit card. This is one of reason to bring me to here.😊
Anand sir and vinod sir I am a very big fan of you. I always watch your video. I have started investing as per your guidelines. Thanks sir
I'm using last five years it's very useful for me. l like it
ஆனந்த் சார் வாழ்க வளமுடன் நலமுடன் 🙏
Happy to see All Aionion team ❤❤❤❤❤Vinod sir & sheik sir Clarified all Queries & Doubts. A grt disappointment Vinod srini is Missing 😂OK All Aionion team members are down to earth. Happy to be journey with young team members. Hope all answers by trader Vinod sir Versatile. Sorry to trouble Made by me to Vinod sir:) Hope sheik jee will come back soon in Thumbnail:)
Mr Anand … there Is lot of advantages in credit card but you always talks about cons…. I’m using credit card last 3 years and no maintenance charges and I’m earning from points yearly from credit card around 5k without any trouble 😎
Sir your advise I followed thanks sir
நன்றி.🙏🙏🙏
Credit cars is good, if we use it wisely. But it's a trap, we will always fall in the trap. Anand sir words are very true
nalla vela sir na vangalam nu erunthean sir but etha pathi epo nalla therunchukitean thanks sir
Sir you are correct.Youngester should follow your advice.
The advice is correct
But as told, for the 10% (who have money in bank) it is a excellent product
Life time free cards are available
Some card Cash back is excellent
Lounge access is given free
Few caution
Choose only life time free card
No cash withdrawal
Prompt payment
Great advise sir. Even a close family member will also not show so much of concern.
Thanks for the valuable content sir, Keep doing add value to our society
kindly speak about CG power stock sir
மிக்க நன்றி
Very useful advice, creating awareness against credit cards
Use credit card only in emergencies. If you or your family member is admitted in a hospital, you can use credit card to get quick medical treatment.
Do not use it for normal monthly expenses.
Another value CC gives is while traveling. If you are traveling abroad, you can topup your CC from your savings or advance paid by your company and use it during trips. Once back, directly submit bill to company and ask them to settle asap. But requires lot of discipline.
Works well if company guides you and provide you an official card.
Credit card Usage totally affects your spending behaviour.
I bought credit card to increase my cibil score.
After one year , i realized , my mind is programmed unconsiously towards my spending behaviour.
Now, i stopped from january and trying to bring back my old normal spending habit.
Please dont fall for the credit card & digital wallet addictions....Sooner or later , you will realize that you got trapped into corporates strategies..
It's because of your indiscipline. I also bought for the same reason. I'm paying the bills on time. Not overusing it. And now It has raised my cibil score significantly
@@vignesh9161 All people are not intelligent and disciplined as you. Normally people can easily manipulated by corporate strategies and media advertisements.
Credit card is a trap for most of the people.
Use cc only when you need things. Spending in cc should be as much as your balance in your bank account and pay well before due date. As simple as that. If someone sees Credit card as some kind of loan without interest of short period then they shouldn't hold a credit card.
Sir naan ippo apollo microsystem,suzlon vaangalamanu konjam shollunga nalla profit parthean bike vaanginean second handla 34000 ku vungal sevai yengal vaalkai sir thank you sir
Holding 26 cards and never missed singles due and earning more than 5-7k. As you said myself a self discipline 😅.
Spending nearly 30 mins to 40 mins per day to regulate my discipline.
நன்றி குரு நாதா😊
நன்றி ஐயா வணக்கம் 🙏
Only I use for emergency
Great Information sir. Kindly share your mutual fund experience.
I am using credit card for more than 10 years. Got my first credit card at 20yrs old. Never missed any payments. Never paid extra money or interest rate. Earned more and more reward points. I used it for emergency and i bought so many products one by one using no cost emi facility. Its great. All you need is commitment and discipline. Utilize only 10% of credit card limit. Infact evan kitayum kai neeti kadan kekama en kalyanatha 2 credit card vechu mudichuten 💥🚀
Wow 🎉
Eppadi bro manage paniga
@@tamizhmts Most of the expenses and wedding purchases payment made using partially credit card and partially taking cash from CRED App. Total expenses ah 12 months emi ah card la convert paniten. They waived off processing fee. Also they gave best interest rate. So i paid on time every month. Also CRED app gave super interest rates (my luck). I managed 18months emi. Now i am debt free. 😀
Badly missing conversations with trader ad modhalalee😢
Great Information and very useful Thank you Sir.
Gpay use பண்ணினாலே காசு கரைறது தெரியாம போகுது. கிரிடிட் card நினைச்சாலே பதறுது
Exactly!! What I'm doing!! Kept separate account for UPI and I'll transfer once the amount is done. I still can't stop but somehow I'll keep on track first, I'll try to reduce the spending..
💯👌
Fact 💯
Ama bro last 30 days la 1.34 L engutu pochune therila 😢
Gpay is worster than the credit card
THANK YOU AIONION FAMILY
Sir what you are saying is true I have two credit cards 34,000 and another 34,000 which can be 68,000 and the loan given on credit card is one 40,000 total more than one lakh I traded in future and option and lost all that one lakh rupees now I have built EMI for that credit card and after that credit bee loan I took that credit card and paid it in full and now I have taken that credit bee loan and return that credit card outstanding la iruku
Sir
Very useful to all.
Thanks sir.
Really useful video🎉🎉🎉.. Specially last part... Well done sir and tram🎉
முட்டால் ,பேராசை குணம்,சுய கட்டுப்பாடு இல்லாதவர்கள் கிரடிட் கார்டு, கடன் பக்கம் போக கூடாது, பின் அதை குறை சொல்வது முட்டாள்தனம்
The Quote is "A bank is a place where they lend you an umbrella in fair weather and ask for it back again when it begins to rain☔" Robert Frost
Thank you good information needed
Nandri sir
Nandri sir
Tanks anand sir ❤❤❤🎉🎉🎉
From 2006 I'm using Citi Bank credit card and rotating it for 45 days..
apdi ellam theakurathu ila sir . benefit cashback iruntha will do rather then it sleeps .
Use carefully
I am using credit cards in 10 Different Banks, only for offer purchase like Amazon and Flipkart
Resu. . . Thank you sir .......
very true. also they will tie up with consume goods companies and loot money from retail customers😪😭
🙏🙏🙏ரொம்ப நன்றிங்க ஐயா
Thank you sir 🎉🎉❤❤
I use my credit card like my debit card. If the amount is not there in account then don't use it
What about PGinvit...? Shall we accumulate in the dip?
Thank U Anand Sir!
Thank you
Tvs bonus ku 1 share podhuma illa 4 share irukanum yarchuu solluga
Well said sir
Useful video
Great sirs....
Thankyou sir🙏👍
Thank you sir 🎉🎉🎉
I
Resu . Thank you sir. .
Very, very good content ❤
I miss cupid now Can we consider this range split & bonus?
Sir we need only one good stock to buy in your vedio every day.tq.
💯
Can we consider reliance power stock sir ?
வணக்கம் நான் குவைத்தில் இருந்து கார்த்திகேயன் உங்களின் மணிபேச்சை கேட்டு தான் என்னுடைய கிரெடிட் கார்டை உடைத்து தூக்கி எறிந்தேன் நன்றி
சார் ஒடச்சி போட்டாலும் அதுக்கும் சேர்த்து பணம் வசூல் பண்ணிடுவாங்க. Proper ஆ பேங்க்ல போயி கேன்சல் பண்ணுங்க.
Credit Card is very useful if use right way. I like credit card
இல்லாத பணத்தை செலவு செய்பவர்கள்தான் மிக அதிகம்.
I agree with you sir
Best mutual funds for SIP long term ku suggest pannuga sir plz
super...
I use credit cards for cashback and use that cashback to invest in market.
Ok sir
In my experience credit cards have made horrible effect on my financial planning
Sir naan neenga ithuku munna credit card pathi shonninga appove naan card close pannitean sir
❤❤❤ thanks sir.
Use credit card only for insurance payments, fuel expenses... nothing other than that
Well I have credit limit of 60000 but I have forced my spend limit to 10-15% of my credit limit. There is a option to set your spend limit you can't spend more than that.. I just use credit card for rewards and credit score however I have been using credit card for a while I only spend the amount which I have in debit account
Sir...icici prudential gold etf la invest pannikaen...atha continue pannalama?
Anyone can tell us about Karnataka Bank QIP .. It's a positive or Negative news the company. The stocks around 232 rs .. please clarify
வாழ்க வளமுடன்🎉
I am already using 2 credit card and using very discipline whenever I require. Also i only use for emergencies.
However, Can I close these credit cards now? If do close or cancel is there any impact to my CIBIL score?
In lockdown i got new credit card from Hdfc. They charged me 1500 tp 2k as transaction fee for not using credit card. it was full lockdown and no shops at that time. Hdfc did not reverse the penalty amount and i cancelled it immediately.
Sir still I don't receive bt he call from your team MP, why it takes longer then usual
Vanakkam Sir 🎉
Ethu ellame avar sollame theriyanum. All because namma samarikkarom kasta pattu then atha correct use pannanum nu oru mentality kuda illama evlo padichi enna pirojanam.
cupid shares vaangalama sir
SUPER SIR
Sir, if I cancel the credit card will it impact by cibil score? Came to know the points will be deducted with some calculations with my transactions so far I used.
Even now a days all the cards offer 1500discoint for EMI transactions on shopping websites. Even we go for no cost EMI they will charge GsT for each EMI transaction per month. If you calculate these charges you will get original price of the product without discount price. Actually they are cleverly fooling us.
Credit card is strictly NO.
But I use life time free credit card zero annual charges and use it for free lounge 😉
Sir, intha electoral bond services kku mattum, service chargum illa, GST yum illa... Ithanal evlo tax evaion nadanthu irukkumnu neenga ninakireenga...
Sir, please tell me about the new stock list in one or two. please
I have no credit card,
Could you advise about credit card utilisation.....which is banks are promising us that they don't charge from us!
😂😂😂😂
வாய்ப்பில்லை ராஜா😅😅😅😅