I have total 10cards including 3 Rupay credit card 2 digital 1 physical. My Total spends of 10cards in FY 2024-25 is 6.5L till now (November) from April 2024. Current cibil score is 776.
Being baniya logo ko ek free ki advise deta hu. Mre pas 5 cc h. Pr mushkil s 4 s 5k per moth use hote h sb mila k. So lady sai bol rhi h. Jitni jrurat ho utna hi expense kro😂😂
If I spend an amount greater than 30% of the credit limit but I have converted into smaller amounts of three months no cost EMIs then also credit utilisation will be more than 30% and affect my credit score ?
When we don't have no cost EMI option while purchasing, is it better to convert the big purchases into EMI (intrest rate is usually 16+%) OR Can we take loan on Credit Card and pay it in a year which is usually charged lesser percentage compared to later. How does it affect credit score.
Having too many credit card is good. But if we have no use for them better close them. I had 2 Amex card with total limit of 3.3 lakhs. Today they decreased my limit by 85% to 34K. My cibil score is also going to hit.😂
@@ProfessorJack_IIMNo I have completed annual spent for few waiver and has not used for past 6 month. I have called them asked to close my both cards immediately 😂. If they treat me like shit then it is end of relationship
@RahulGargHS NFC is a feature in mobile phone similar to bluetooth & wifi. Just search on UA-cam. Tap to pay using mobile NFC. You will got to know what i mean?
I want to ask I have two credit cards with 50k and 50k limits, how should I use it can I use 30k from one and zero from other, does it count under 30% ? or I should use 15k and 15k, how 30% will be counted
Total ka 30% , agar aapke paas 5 cards hai jinki total limit 1 lakh hai to don't use it more than 30,000 in total on all the cards. Matlab Total credit report pe jo credit hai uski 30% use karein.
Only rupay credit cards support upi payments for free, (MasterCard and visa not integrated yet but you can use third party apps they charge you 1-3 % or may be your bank count it as cash advance it's not worth it)
I don't think there's any option like you said, however you can repay all your credit card bills at once in the Cheq application. They have a good feature "pay together" where you can pay all of your CC bills at once through your desired UPI linked bank ac.
Nahi but 6 months me ek baar credit card ko use karna padega nahi to deactivate karti hai bank. And bohot hi kum usage pe credit card ka limit kum karte hai kabhi kabhi
Madam mere ko yah baat ka reply dijiye, Mera agar 1 lakh ka limit hai usmein se 80000 use kar diya aur bil generate k 1-2 din pahle 70000 pay kar Diya so 10000 ka bil banaa, so Mera 30% ratio maintain rahega ya 80% I use count hoga??? Iska reply kohi UA-camr nehi data ,pata nahi kiu🤔🤔🤔 1year pa Jo 10 lakh rupees credit k limit ha, ya Kaya srif Jo amount bill generate hota usko count kar k 10 lakh limit k andar count hota ha ? Ya 1 yr pa 20lakh k spend Kiya credit card sa usko 10 lakh pa count karaga??
Mam credit card band karwane se credit score affect hota hai kya
Closing the old card may affect credit score 8-12pts . Use the card which you find useful. If not just close your card.peace of mind is priority
Close all the HDFC base credit card🥸 such a headache they are.
I have total 10cards including 3 Rupay credit card 2 digital 1 physical. My Total spends of 10cards in FY 2024-25 is 6.5L till now (November) from April 2024. Current cibil score is 776.
My old credit cards have very low limit of 80,000 and 85,000 and all other credit cards have 6-9 lkhs limit. Should i close these old credit cards??
Ask bank to increase limit for old card, mostly they will increase limit of the card
@rishav.raj179 sbi and Au not increasing limit on old card
Wow ,wat an enligment 🎉🎉🎉,thank u ma'am
Being baniya logo ko ek free ki advise deta hu. Mre pas 5 cc h. Pr mushkil s 4 s 5k per moth use hote h sb mila k. So lady sai bol rhi h. Jitni jrurat ho utna hi expense kro😂😂
Yes Yeh Credit Score ko Affect karta hai..... Bcoz Credit Card ek unsecured loan ki tarah hai.
Awesome video ❤
Mere pass 3 credit card hai aur unki total limit 1,86,000 hai Aur mai 4 mahine se Pura limit use kr rha hu 😅😅😅😅
Mere pass 3 CC hai but cibil down hokar 800 se niche chala gya. With no excess usage
I have 12 credit cards and total expense is 40k max. Any issues on cibil?
बरबादी की राह पर हो
Yes, teacher. 😊
Could you please make a video on RBL Insignia Credit card???
If I spend an amount greater than 30% of the credit limit but I have converted into smaller amounts of three months no cost EMIs then also credit utilisation will be more than 30% and affect my credit score ?
Yes it will affect your credit score because of high utilisation
Great video
When we don't have no cost EMI option while purchasing, is it better to convert the big purchases into EMI (intrest rate is usually 16+%) OR Can we take loan on Credit Card and pay it in a year which is usually charged lesser percentage compared to later.
How does it affect credit score.
example in excel would be more clarifying, still good input
Good video mam...thanks
Having too many credit card is good. But if we have no use for them better close them. I had 2 Amex card with total limit of 3.3 lakhs. Today they decreased my limit by 85% to 34K. My cibil score is also going to hit.😂
😂😂
What? but why? did you misuse them? what is your salary range ?
@@ProfessorJack_IIMNo I have completed annual spent for few waiver and has not used for past 6 month. I have called them asked to close my both cards immediately 😂. If they treat me like shit then it is end of relationship
2:55 if you have mobile phone with NFC feature then also you don't need to carry Visa/Mastercard credit card .
what is NFC?
@@RahulGargHS tap to pay technology with other transfer benefits also ...
@RahulGargHS NFC is a feature in mobile phone similar to bluetooth & wifi.
Just search on UA-cam.
Tap to pay using mobile NFC.
You will got to know what i mean?
@@RahulGargHS UA-cam pr browse karo tap to pay using mobile NFC.
@@RahulGargHSnear field communication technology
I want to ask I have two credit cards with 50k and 50k limits, how should I use it can I use 30k from one and zero from other, does it count under 30% ? or I should use 15k and 15k, how 30% will be counted
30% of your Total credit limit ( if you have 2 cards with 50k credit limit ) you can use upto 30% of any card
Is it good to increase card limit?
Of course.... whenever u get a chance increase ur limits....
Sbi credit card ka limit keise increased kere?? 🤔
Sir credit line ki video banao ye kya hai
Mam utilisation 30% ak card ka ??? Yaa 3 Card ka total amount pe 30 %
3 Card ka total amount pe 30 %
Mera mano to 1 credit card ka 30 percent hi use karo per card 30 percent se uper mat jao
Total ka 30% , agar aapke paas 5 cards hai jinki total limit 1 lakh hai to don't use it more than 30,000 in total on all the cards.
Matlab Total credit report pe jo credit hai uski 30% use karein.
Average spend he dekh te hai bhai 3 ka total milakar agar spending 30 % below hai to farak nhi parta
If you have 3 cards with 1 lakh limit, purchasing for 90k in one card is 30% utilisation
Hdfc mastercard money back plus cc hai mere pas kya mai woh gpay pe add kar sakta hu
Only rupay credit cards support upi payments for free, (MasterCard and visa not integrated yet but you can use third party apps they charge you 1-3 % or may be your bank count it as cash advance it's not worth it)
@ashishtonger contactless payment kaise kare is card se?
Mam mere pass approx 20 credit card hai kisi ek account se auto debit enabled kr sakte hai taki bill payment ka jhanhat khatam ho jaiye
I don't think there's any option like you said, however you can repay all your credit card bills at once in the Cheq application. They have a good feature "pay together" where you can pay all of your CC bills at once through your desired UPI linked bank ac.
Anyone want credit card without any changes and no income required..
Cradit card use na karne se cibil effect hota hai kya???
Nahi but 6 months me ek baar credit card ko use karna padega nahi to deactivate karti hai bank. And bohot hi kum usage pe credit card ka limit kum karte hai kabhi kabhi
Card limit kam b karte hai kya @@hardnocks24
Madam mere ko yah baat ka reply dijiye, Mera agar 1 lakh ka limit hai usmein se 80000 use kar diya aur bil generate k 1-2 din pahle 70000 pay kar Diya so 10000 ka bil banaa, so Mera 30% ratio maintain rahega ya 80% I use count hoga???
Iska reply kohi UA-camr nehi data ,pata nahi kiu🤔🤔🤔
1year pa Jo 10 lakh rupees credit k limit ha, ya Kaya srif Jo amount bill generate hota usko count kar k 10 lakh limit k andar count hota ha ? Ya 1 yr pa 20lakh k spend Kiya credit card sa usko 10 lakh pa count karaga??
They consider amount at time of generating Bill. In ur case it's 30%.
10% Credit utilisation Count hoga
Depends on when your bank sends data to CIBIL Bureau
Puree saal koi credit card enquiry mhi nahi ki oct main 17 credit card enquiry kar li or ek bhi credit card bhi nhi mila 😊
Hdfc bank me apply Kiya kya 😂
Kivi rupay yes Bank credit card lelo bhai mast hai
Haan Bhai HDFC pixel play reject kar diya @@rishav.raj179
@@babatricksandtips6955Haan try kiya pr wo bhi reject ho gaya service unavailable ka issue tha
आप कुछ नही जानते
आपको देख के दिल खुश हो जाता है।❤
Mera pass 8 credit card hai par salary nehi mai kya set karu😂
Is there any way to close credit without losing my score?
Leave the oldest card and you can close the others score will not be affected
@thirumagaltraders244 1 year old
Wait for at least 5 years before closing then it would not effect
@@ayushgupta50 who will pay annual charges
NOC le lijiye bank se
Mera cibil score 782 hain 800+ nahi ho raha hain🤔🤔
I have 22 cards of all Bank
How to manage to see and pay there bills ?
Hobby hai kya ?
Mam aapka pass Kitna credit Card hai
Kya ap credit card Lena chahte ho bhai
In case of centurion there is an activation fee of ₹ 7 lakhs. In comparison this card is very reasonably priced
Agar private job hai to dhyan rakhe aapki job kabhi bhi ja sakti
Badi afat hai😊
2-3 कारड से ज्यादा कभी मत लो
😍😍😍
Mere pass 17 cards hai kuch farak nhi parta
11 & counting😂
25
5cc
Mere paas 12 credit cards hai
Due you have hsbc credit card?
@@dailyupdates2295 HSBC Cashback/Liv+ CC hai
@dailyupdates2295 no because it's not applicable to my pincode
मेरे पास 37 है
@anupampanwar355 🔥