Credit Card Hard Enquiries
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- Опубліковано 22 сер 2024
- Recent surveys have shown that around 50% of Indians do not know what affects their credit score. And some of your bad credit habits are making loans more expensive for you and one such offender is making too many hard inquiries with credit-giving institutions.
Every time you make a hard inquiry the bank checks your creditworthiness to know if you can pay back the loan.
Another parameter they check is the total number of hard inquiries made by a person this helps the bank ascertain how credit hungry you are, the hungrier you are the lower your credit score drops.
This is why if you are shopping the market for a loan or credit card do so within 14 days since all the inquiries made in those 14 days are taken as 1 hard inquiry, if you continue to make more inquiries post this period each hard inquiry made will lower your credit score.
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#financewithsharan #creditcard #creditcards #creditscore #bank #personalfinance #investingforbeginners
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Girlfriend is a biggest loan with massive intrest rates 😂😂.
I want this kind of loan too 😔
Iii ffoolllllllllwwwwwww mmmmmyyyyyyyy mmmmaaaannnn bbbbbrrrrrrooooooo 🤙🏻🤙🏻🤙🏻🤙🏻
@@vishwas_zero maat pad in chakaro me bankrupt ho jayega 😂😂
@@vishwas_zero try me... I will be like ur girl friend. Keep me with u lol 😂🤣😹
@@pranjilsoni102 mai bankrupt hona chahata hu(not literally) but haan thoda to chaiye koi din ka 1-2 ghanta sukh-dukh ki baat karne vala
Harshad Mehta behind tht banker 😂😂
Yes bro 😂
Noticed alcohol in bank for the 1st time 😂😂
with garland...
No...thats not Harshad
@@drarunajthen who?
the backgrounds in the shorts are getting more interesting day-by-day
Big bull in the background ❤️🔥
Missing these "hey nimmoun", "kya phook ke aya hai be!!"
"Nin thika" also😂
Is that a cuss word??
😂
Unaaggi
Mysore mango
" Buy A House You Can't Afford, Today! "
-Sharan
That photo behind him😂😂😂😂
“Putting scene with Ramamoorthy “ lol😂
That Long ice land 😂😂😂
Legend noticing prateek Gandhi as harshad mehta.
Buy a house you can't afford today-
Habibi
I'm surely gonna follow putting scene with rammurthy lol
This is a real learning for me. Keep going Sharan
"BUY A HOUSE YOU CANT AFFORD TODAY"
-HABIBI
I love the way that the bank is supporting Harshad Mehera and the quote too.😂😂😂😂😂
Man those single malts in the background 🙏🙏
Op sir I watch your videos everyday
I’m a forex trader and made 21 lacs from your knowledge
How
I have taken a workshop and learned by myself for 1.5 years
@@parthwajetradewings7264 how bro?
@@ranjithshetty1674 these are spams
Nice and sneaky with the hand gesture for LIIT, love it!
Very informative
Thanks for your comment, 👆👆What’sap me with the number showing above for more profitable investment plan.
Putting scene with ramurthy 😂😂😂😂
Thank you Sharan. Can you please provide the source of this info? This is truly a quality advice. I think this is the first time some one went so deep in CIBIL score Dynamics that 14 days clustered enquiry are considered as 1 hard enquiry.
@Finance W-Sh.+①⑧④⑤⑧③②①⑨⓪④ bhag bsdk scamster. Tmkc tmkb
Love to see you give respect to big bull harshad mehta sir ❤❤
Why was there amitabh bacchan on logo of no bank. Was it idfc first bank ? 🤣
Credit score drops just by an inquiry from a bank ?? Why?
It shows you are eager for a loan
Not sure what do I like better, the info or comic timing 😂
Hahaha... Awesome bro... Actully your ascent is too funny
Sharans got the skills with his hand 😂
Rad awesome cool cute acting. I love indian culture and p eople.
Great 👍. Helpful information ❤
Heavy Dude 😂
No Bank🙃
Backside Harshad Mehta Sir's Picture😄..
Heavy dude awesome👏
Long Iceland .... is another meaning
Nice info👍❤️
Banker's background ❤
Harshad Mehta in background 💀💀😂😂
love from divyanshu 💘
Who read, "It is injurious to say 'kya phook ke Aya hai be' in here"
why is No One Talking about The "Buy a House You Cant Afford Today!
-Habibi"😂
Are the hard inquiries refer to physical face to face bank inquiries or via internet banking?
Is it only with the CIBiL or other credit bureaus across the world?
Really helpful
Oh so this is how the institution fucks us up. Like what's wrong with just inquiring,didn't they thought about how a person can inquire about different intrest rates and will eventually end up losing credit score for just doing that. Ot is so wrong.
How does they know we enquired.
Good one.
Excellent information brother
really useful bro.. thanks
Iam also from Karnataka
🏆
Usefull
Bank of Habibi and Looto BC. Nice.
But why checking credit score drops it
Harshad Mehta in the background makes it better
Back side photo frame! Scam 1992.
Dude is 420 Friendly As Fuck 🤣!
Harshad mehta photo with a haar 🗿
He do better acting than our bollywoof nepokids😊
Is it the same while applying for credit cards?
But how would they know that i visited multiple banks
Plus banks will punish me for looking for a better deal
I want to say to banks ki kya phonk k aya hai
Thanks Rammurthy
Noice
harshad mehta in the background
I got 4 enquiry reported even though I enquired between 6 april and 16 april only
What is the logic of hard enquiry with CIBIL score, how many time a home is finalized in 14 days?
I need this guy to be my accountant
Lotak for Kotak
JCJC for ICICI
NO Bank for Yes Bank
I don't know what Hegde Bank for 😂😂😂
Thanks for your comment, 👆👆What’sap me with the number showing above for more profitable investment plan.
HDFC Bank 💀
"long ice land" 💀
Hey Sharan with loads of success to you 👍👍💯💯 are you too a ☘️ fan huh?
In this condition what will do for increasing?
Exactly.. these credit score checks lowers the score..😢☹️😣🤔what a logic?
Don't miss the photo behind 🤣🤣🤣
Yeh Kya Hai.. Harshad Mehta In Background 😂
Kids noticing harshad mehta in background meanwhile me "BANK OF HABIBI" and "LOOTO BC"..... THE NAME PLATES below
Nimmouna😁, why do they do hard inquiry, ask them to do soft inquiry so that credit score will not get reduced
If I missed credit card bill 2 days delay.. It will effect cibil...?
"credit score drops"
"Nah I don't want loan"
He said he forgot u to tell this point, 😂 better not listen to him.. Who knows what else he misses now 😂
I missed the "beep boop" part
Haha the background of Harshad Mehta😂
The 14 day policy could be right in India but in my country it’s generally 30-45 days
Wow ur from where I didn't knew Sharan had foreign viewers also 😂😂
@@adityanair6406 not sure if you’ve heard of Canada but that’s where I’m from. And I speak and understand Hindi so I enjoy his content lol. It’s not uncommon homeboy
@@Thisismyyoutubechannel69 I know Canada 🇨🇦 ✌🏻
After long time Rammurthy came
That harshad mehta thing in background
U Stoled Bro✌️
See.the boss pic was in the wall
Harshad Mehta 🔥
What's the logic behind this? Why should CIBIL score reduce because of enquiries?
Why such stupid rules even exists ? Why inquiring to my credit score affect it.. ?
Did anyone noticed Harshad Mehta pic behind 🤣🤣🤣
Harshad Mehta in background ❤️
Not Sharan it's Kamal Hassan from Sadma.
That looto bc was epic
Heeeeeevvyyy durrrdddd😂😂😂😂
5BHK with just one girlfriend 💀
“Bank of Habibi”💀💀💀
I love the guy in the background image
Why harshed Metha in the background “nimmoun”
That background 🤣🤣
Imagine asking for a loan. Not getting it and got your score lowered bruh
Harshad Mehta pic 🤣🤣🔥
What do you mean by mothered?
Now how do I get over it😐, I did that and my scored decreased
Sir meine hdfc se loan against property lia tha but wo ab disburse krne pr 2% maang rhe hai but mujhe loan kie hue 48 months + ho gye hai.. Please help ki unka 2 % banta hai ya nhi.
Harshad behind 😂🤣😂🤣😊
How do you know all of this??
because i am the bank