Why you need a Credit Card + 3 Best Credit Cards for you
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- Опубліковано 12 вер 2024
- Let me tell you why you NEED a credit card. You don't know how many benefits you can get when you are disciplined and smart with your spending. I use credit cards for all my purchases!
Let me also recommend you my top 3 picks for credit cards!
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//About Jay
I am a tech junky and gadget freak from India. I’m passionate about technology and always readily curious to find some new tricks and hacks. This is a channel where you can learn all about the latest tips, tricks, tutorials and hacks regarding various trending topics.
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Current Phone: iPhone11
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I was literally searching about this today! Seems like Jay Kapoor can read minds😳🤲🏼
Me too bro😳
Jay is like Google 😂 tracks you everywhere 😂
I recently saw a video of the person on which "catch me if you can" is made, who was why you should use credit card after that I searched for it. Two three days later Jay has covered it. I guess he also was struck by the same lightning bolt. 😂
Ff
Same
I was using HDFC freedom card. Now updated to HDFC IOCL Rupay card. Which gives 5% cashback on fuel spends at Indian Oil Petrol Pumps.
Petrol price is rupees 100 , what will you do buy saving 5%, 😅😅
@@aksingh3167 LMAO
Ak Singh its usefull when you expenditure like 20k to 40k on fuel daily. Or for personal 1k spent daily you will get 1.5k monthly saved
@@aksingh3167 useful when u have 4 wheeler. As the expense can go really high.
@@vaibhavpatil3471 what ?? Did I read it right ?? Are you saying by buying Amazon voucher through HDFC smart buy ypu are getting 5% back ??
Most underrated Channel, Why not 10M?
Because people need unique content not that googled content anyone can find😂 he is just reading a article and telling it out
@@gowtham5437 you can't get such unique content daily by reading articles. One have to do more research. Respect his work.
We have to feel unique
@@gowtham5437 Have seen a lot of your negative comments.....
Well get a life I just feel sorry for you
@@gundavenkatashanmukhasaina8474 10M isnt made for him. Better stick with 1Million.
Pro tip for beginners -
You should never use 100% credit limit bcoz you'll be labelled credit hungry and your credit score will reduce, always use max 20-25% of your credit limit, e.g - if you have a credit limit of 1 lakh use upto 20k per month not more than that, if you have higher requirement than you should have 2-3 credit cards so that you do not exceed the 20% mark in each one of them.
Never withdraw cash from a credit card, very high fees is levied on you, per transaction ₹500-600 in some banks.
For beginners best card is Amazon Pay ICICI Card Period. Look no further.
If your salary is 30,000, ask your credit card provider to decrease the credit limit to 29,000. That way you can pay the total bill in 1 month, if not 1 month, you can manage it in 2 months.
Any any EMI amount should be around 10% of your salary. Follow these two steps. Otherwise you will be ruined.
Thank you for this really helpful tip.👍🏼
Actually you should never use 100% credit limit bcoz you'll be labelled credit hungry and your credit score will reduce, always use max 20-25% of your credit limit, e.g - if you have a credit limit of 1 lakh use upto 20k per month not more than that, if you have higher requirement than you should have 2-3 credit cards so that you do not exceed the 20% mark in each one of them, so never decrease your credit limit to 30k coz you'll only be able to use 6k without impacting credit score.
@@drmayankpatidar your points are valid. But only people who are financially disciplined will be able to use credit card properly. But, many many people do not have financial discipline.
If they have good credit score they can upgrade the credit limit. Let's say they upgraded the limit to 3 lakhs, they will greedy at some point of time, (because humans are weak), and they purchase 3 apple products, and they'll get monthly EMI >>> greater than thier monthly salary, and they go bankrupt. That is how credit card companies make money.
So it is not bad to have credit hungry remarks on credit card than going bankrupt.
bro could you make a part 2 for this like if you travel a lot, which card should you use, racking up airline, hotel points and other categories
Yes I would love a detailed video about best credit cards and different kinds of perks.
Yes true
I don't understand why no UA-camr or any Bank officers warns us not to spend more than 30% of our CC limits. Sab siff kahate hai pay your dues on time and credit score increase hoga.. Even if u clear your dues on time, your credit score will decrease because of spending more than 30% of your limit.
Really? Thats sooo important why dont they tell us such important information
@@deepanshupurulia7817 I don't know why no UA-camr warns us about it. Just remember Even if you pay your dues before the due date your credit score will decrease if you spend more than 30% of your overall limit.
Is it 70% or 30% ?
@@hehar 30% maybe. In my case, I shouldn't have spent more than 6k in my 20k limit.
@@tirtharajbarma7965 The 30% which you're talking about is known as Credit Utilization Ratio. There are plenty UA-camrs from personal finance domain who have explained the importance of keeping our Credit Utilisation Ratio (CUR) under 30%.
Some finance experts even suggested to keep this ratio below 10%, as it shows that you are less credit hungry and have better financial discipline.
It'll be better if we'd keep our Utilisation rate in the range of approx 10-25% or 30% 😁
these days kids consider that owning apple products, branded clothing, jewellery or owning a lambo is what's called flexxing. Little do they know that owning an AMEX black card is the biggest flex of all
And paying that crore bill is a much more flex 😂
Exactly AMEX is one of the most prestigious credit card one can have. But the black ⚫card is really tough to procure. I personally think the Golden card is kind of a more lucrative. Been using it for 1 year.
yeah ik that the black card isn't available and useful in india, but still quite a flex :)
What about discounts online ?
Mans legit woke up from bed and went straight to his computer to make the video
WELL, THATS THE GRIND
😂
Indeed I run my business using three free Credit cards that I own.
How
I just realized that in your UA-cam's Profile photo you have posed like Steve.
Who's that ? Steve Jobs if I'm not mistaken
@@normie1014 yep!
How and what
Whenever i see 30% discount and upto 50/100₹ i lose my interest.. in india good discounts are myth
Bhai Tumhari hi Video Dekhke Maine ICICI Credit Card liya hai against FD Only ₹10500 ki Limit rakhi hai Kyuki Limit main use karu aur Credit Score bhi Accha Build Kar saku.
48 Days Cycle, No Annual Fees, 2 Payback Points per 100 Spend.
Special Thanks to you.
it's just a coincidence that today I was also explaining friend the same thing.
I use Uni Pay 1/3rd card, quick on-boarding and higher limits. Plus you can split your bill in 3 parts and pay without any interest.
Are any annual maintenance charges applicable?
@@rahuladdanki No, it's lifetime free.
3 cards mentioned in the video:
A. AMAZON PAY ICICI BANK CREDIT CARD
B. AXIS BANK ACE CREDIT CARD
C. SBI SIMPLY CLICK
If you travel via plane take credit cards related to that, also you will get lounge access for free, also if travel via train take irctc credit card.
BTW, your videos are damn valuable!
I recently saw a video of the person on which "catch me if you can" is made, who was why you should use credit card after that I searched for it. Two three days later Jay has covered it. I guess he also was struck by the same lightning bolt. 😂
andrei jikh?
@@ujjwal3451 frank abignale
Bhai students ke liye ek video banado for credit card like which credit card best for the students and how to apply the credit card🙏
dm me on insta @lostboyworlld
I thought it to be a ghost.. then realised ki Rusty bhai is having a bath
Make a video on best bank account for 18 year old
Sbi
@@anmolsetia7836 yeah 😎👍🏻
Kotak 811
@@anmolsetia7836 suna hai bahut slow hai bada kaam latkate hai 😅
@@maxcrazegaming1889 sahi suna hai, aur galti sey kabhi unke bank mat chale jaana, old age home lagta hai bhai😂. But still it's the most safest bank in this country. Kitna bhi NPA ho jaaye inka, govt will bail them out. Best hai ek sbi account rakh lena aur ek acche private bank ke saath zero balance account, like Kotak 811.
once you notice jay's hand gestures you can't watch his videos normally
You are always adding value to our life thank you so much
_Credit Cards Sahi Hai._
-Issued in Public Interest by Jay Kapoor
I have SBI simply click & ICICI platinum credit card I use mostly simply click credit card bcz higher rewards. For wallet load I use ICICI Platinum. Time to time some random banks call me to offer their credit cards I reject them bcz I am not credit card hungry. I spend only when it is required.
Toh bhai itna sochne ki need kya hai? Jitna bank mai hai utna sabko pta hota hai, jitni chaadar hai utne paar phaelao.
Rewards toh lollipop hai, 1%-2% cashback ke liye kyu 99% expense incurr kro.
Please make a vid on credit card for students.
.
dm me on insta @lostboyworlld
Where is the cactus🌵?
I own Axis bank Flipkart credit card, Trust me its awesome annual charges are 500 but If you exceeds transaction over 2,50,00 they wont charge, Its limit is just 25K this is enough to buy groceries, Pay bills and Petrol and all. So eventually this cards saves me 2% on every transaction and 5% on Flipkart and Myntra. Its awesome man.
Stop commenting underrated...!!! He is new to yt..!!
I saw someone making their hair in the glass reflection.
Waah kya observation hai
Bhai Amazon Icici credit card pe 1 dedicated video bnao
THESE CREDIT CARDS ARE USED BY 21 ABOVE PEOPLE.
Bro make a video on top 3 Credit cards which can be used by College Students.
Slice
Lazypay
Onecard
But plz tell how can a 18 yr student get a credit card?? 😅
As there is not Credit Score or Salary proof I Have....
You can get a Secured credit card aganist a Fixed deposit.
try slice credit card
Video starts at 5:00
Jay bhai please make a video on neo banks that would be helpfull
Jay, have been following you since years and you make wonderful content but this video seems to be very confusing for beginners. I think you should give another attempt.
Very useful video... Thank you!
3 card - ICICI Amazon wala
- flipkart card ka Axis wala
- free card axis neo ( kachara card ) why I use this is my fast credit card, never close fast credit card this will effect your credit score badly.
Just wanted to know if there are any credit cards for college students with the same offer
I also want the same
.
Yes there is one
@@sanketpotdar28 if you want to apply then tell me
@@vipingupta9693 yes I want.
Make a video on secured credit card PLZ
yaar aaj hee subhe credit card k lie phone aaya tha , maine manaa kia 🥴 you’re making me rethink though …
Thanks Jay Kapoor yesterday j thinked about credit card it it good or bad and while checking your video daily I got a whole credit card guide.
Mere yaha toh koi merchant credit card accept nahi karte not useful for everywhere 😶
Bro mene thode din pahele hi credit card ke liye apply kiya he
Me AU BANK ka credit card use karta hu jisme me electric bill pay or gas calendar booking karta hu jise me mahine me 1000 se 2000 tak cash back leta hu.
Jay, can you help me with my situation?
I don't procrastinate things but when it comes to content creation, I am never able to do voiceover in one time. It takes me 3-4 hrs to just record two mins of Audio. This thing makes me super demotivated.
This is very helpful video... I want more videos on credit cards related bro..... 😊😊
Humne apni country kah credit card world me Kahi bhi use Kar saktya hai? Aur hamesa use Karna padta hai?
from where do u find the intro music? its so sick.
Icici platinum credit card on FD
I'm unable to pay with my credit card and the transaction has been failing upon multiple attempts. I have also tried using another card but the problem persists. The reason being stated by my bank is : non-complaint recurring and I need to contact merchant. I am also unable to buy Fortnite in-game cosmetics as well. Can someone help me?
Bhai mere pass 30-40k hoga or credit score bhi 736 hai ab..+ Flipkart paylater bhi hai.. ekbar try kiya tha Amazon icici c card ke liye lekin mila nehi.. abi 10 day left re apply karne kye liye.. milega kya? Or nehi milega to konse bank ka FD karke credit card loo?
Each credit card bill charges extra gst, it doesn't matter if you already paid gst on product at the time of payment, if your product cost 100rs with gst total would be 118rs your credit car bill will be 136rs ,i use icici platinum credit card, 2%or 5% cash back doesn't matter if its already costing you 18% more.
Nope something is wrong with your card.
Aise nhi hota
18% GST is only on EMI's transaction. You might have got into no cost EMI.
I also falled in this not cost EMI trap and ended up paying 18% extra GST.
On regular transaction there is no GST.
Nice informative video ⚡🔥
Is it a coincidence that me and my friend were about Credit cards today? Sahi hai! 💫
Bro I know why u use your hand to help understand but the thing is u don't have much room to move in your setup and that looks awkward to be honest 😅 baki ur content is bomb u just need a little spark
I use Standard Chartered cards, but unfortunately it does not pay well in form of rewards.
U r doing such a great service.
How to transfer mutual funds from one account to another account?
How to change demat account broker(Zerodha to groww)?
You can't change but you can have two Demat accounts in different dp 👍
why what is the problem with zerodha?
Stick with zerodha...groww sucks
@@parasvchhabrra actually i dont have problem with Zerodha but my father account was in Zerodha and now i want to transfer all assets to my account that is groww(both)
Bhai mera to Flipkart axis bank amazon pay credit card se jyada cashback deta hai offline par 1.5 jabki amazon 1 %
Ye Sahi tha, guru👍
Bhaiya Bajaj finserv Good Card hai ya Nhi ... Ya koi hidden Charges of Bajaj Finserv card
Bro, can we use indian credit cards outside india
I use HDFC Credit card, but then that is way more expensive. Bhot Zada charges.
The importnat thing about credit card use is the security aspect which is lacking in india. If you lose your credit card and somebody uses that card then the liability lies with whom ? Similarly for cyber frauds and other other online frauds.
The Indian system is not devised keeping in mind the security aspect which should be the topmost priority. By working in the govt. I can tell you and request you to not use CC that much Until n unless the security aspect is sorted out and implemented with proper SOP's and guidelines.
Kuch sikhne ko mila
Sir please make video on business and how to start small business and how to start earning please
Sir I have a online shop (my work :- bill payment, mobile recharge, from fill up)
Sir kindly suggest me which credit card I use to gain maximum cash back. 🙏🙏
Slice?
Acha hai
Don't fall for this. Avoid credit cards if you want to live a stress ftee life.
Before that we need a job
Credit card is the worst thing given to the world .,....whether u consider or not
Most Underrated Jay 👑
Which CC is best for domestic travel rewards (flights/hotels etc) for a beginner
Recently received my SBI simply click credit card
What are your views regarding Slice Credit Card ?
Nice clean
Literally looking for this. 💯
Should I use a credit card if I'm not earning yet?
Can you please make a video on how to apply for those 3 cards and those cards are the international card like master card, visa or are they rupay card
Good info
yaha to dete hi nahi credit card hum jaiso ko, kahte hai aapne to kabhi loan nahi liya hum nahi de sakte...lol even though i get good salary...
where is cactus...
Why not Kotat 311 Credit Card ?
For icici we have to open account with them na
i love your content
Amazon walo ne 5% se ab 3% kardiya hai on amazon purchases
I use slice.
is slice a good credit card? guys?
Bhai mere pass to canara ka credit card mai to usse paisa nikaal k sirf paise ko ghumta hu or paisa kamata hu
There's a fool called Akshat Srivastav on UA-cam who says exactly the opposite clearly he doesn't have financial discipline
Fool 😂😂, INSEAD ka naam soona hai paanchvi mai paanch baar fail.
@@Vivek-gm3mq actually I also follow him dearly but I also disagree on him with this I'm using credit card for last 3 years now but my spendings has remained same if u r disciplined I don't think there is going to be an issue
@@sahildadhwal agar maine 1 lakh ka credit card liya aur ek saal istemaal nahi kiya to kya hoga ?
He clearly mentioned that if you have discipline it is a great tool
But he is not completely wrong. If you're someone who loves to study economics, then you will realize how much financial trouble USA is in right now just because they have a credit card economy. It is easy to say that "you just have to remain disciplined" but in reality it's not possible. CCs are a psychological tool which is made to make you spend more and you most probably will without even knowing. If you're personally disciplined when it comes to finances, then CCs are good but as an economy it's the worst path to go down. Even though I have neutral views on Credit Cards and also planning to apply for one in future, I think it's better if India doesn't become a credit card based economy.
Bhai credit card companies ka business model kya hai? Wo reward dete hi kyu hai? Wo aapko bina interest ke loan amount kyu dete hai...?
Kuchh toh hai na bhai
Bhai sab log bolte ki annual fee nahi hoti far woh kathte jate hai
Dude agar mai bhavnaao mei na behta hota toh kab ka leleta.😭
We use Slice card.
Jay Please Share a Video on HOW TO GET A CREDIT CARD AT THE AGE OF 18. Like I just Turned 18 But I have been following for 1 and a half year now. I have seen a lot of videos of yours regarding getting a credit card as we turn 18 and also seen @MARK TILBURY , but as of not having a CIBIL SCORE I'm not able to apply for one. So, please if You Could Create one Video it would be helpful to all of us 18 Years Teenagers.
Can anyone guide me how to apply for first time credit card?
Nowadays Paytm is also giving credit cards for ₹499 annual fee? Should I consider getting one ?
Don't . Try getting Amazon pay ICICI card it's lifetime free card. And u also get cashbacks