4 Credit Card Mistakes You Should Avoid in Hindi | By Ishan
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- Опубліковано 14 жов 2024
- Official Website: www.ishanguru.com
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4 Credit Card Mistakes You Should Avoid in Hindi | By Ishan
If you have a credit card, you owe it to yourself to use it the right way. Making any of these credit card mistakes could cost money and precious credit score points.
1.Making minimum only payments: Making the minimum payment on your credit card not only increases the amount of time it takes to pay off your credit card balance, it also increases the amount of interest you pay on your credit card. Don't just pay the minimum payment (unless it's part of your get out of debt strategy). Instead, increasing your monthly credit card payment helps you pay off your balance sooner and at a lower cost.
2.Paying late:Paying the minimum on your credit card not only increases the amount of time it takes to pay off your credit card balance, it also increases the amount of interest you pay on your credit card. Don't let your due date pass you by. Send your monthly payments on time. Come up with a system for remembering your due dates if you keep forgetting.
3.Loaning your credit card: When you loan your credit card to someone else, you have no control over the purchases they make. In the end, you’re responsible for paying the bill, even if the person who borrowed your credit card doesn’t. Never loan your credit card unless you're prepared to pay for all the purchases they make.
4.Ignoring your billing statement: If you don’t open your credit card billing statement, you risk missing your payment due date. You could also miss important announcements about changes to your credit card terms. Not only that, your billing statement is often the first tip off to any fraudulent activity on your account. Always read your billing statement, if only to make sure that all the charges are accurate.
5.Letting your credit card get charged-off: A charge-off is one of the worst things to happen to your credit report and your credit score. The charge-off listing will remain on your credit report for seven years and could effect your ability to get credit cards and loans in the future. It takes six months of missed payments to get to charge-off status. Bring delinquent accounts current before it gets to that point.
6.Waiting to report your lost or stolen credit card: The longer it takes you to report a lost or stolen credit card, the longer the thief has to charge up your account. If you report your missing credit card before any fraudulent charges are made, you’ll have no liability for the charges. Report a missing credit card as soon as possible to limit your liability for fraudulent charges.
7.Maxing out your credit card: Charging your credit card balance beyond 30% of your credit limit is dangerous to your credit score. Getting close to your credit limit puts you at risk for over-the-limit fees and penalty interest rate your credit card charges when you exceed your credit limit. Maintain a good credit card balance for a healthy credit score and manageable payment amount.
8.Closing your credit card out of anger: Canceling your credit card account will seldom get you anywhere with your credit card issuer. It will almost always cost you credit score points as you drive your credit utilization up. Leave credit card accounts open until you're sure closing the card won't hurt your credit score.
9.Applying for too many credit cards at once: Each credit card application has the potential to knock points off your credit score. If you apply for several credit cards within a short period of time, you might notice the denials are more frequent as lenders start getting suspicious about the sudden onslaught of credit card applications. Apply for new credit cards one at a time on an as-needed basis.
10.Not knowing your credit card terms: Knowing how your credit card company handles late payments makes you more likely to pay your credit card bill on time. Knowing your credit card terms give you more control over your credit card costs. You know how you should and should not use your credit card based on how your creditor will respond to your actions.
Review the terms of your credit card at least once or twice a year (you can find them at your credit card issuer's website or request them from customer service).
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आप जैसे अच्छे इंसान ओर भी होने चाहिए जो सिर्फ काम की ही बात करें ।। शुक्रिया
Good
जी, हर विडियो काम की होती है,, भाषा भी स्पष्ट..👍
Kyo baaki sab Hindu muslim hi karte hain kya?😀 Wese iss per bat karna bhi jaruri hai because bahut gandagi macha di hai jahil kom ne desh aur duniya mein! Apne aasmani kitab ki wajah se andhvishvashi hokar!😀
@@MegaRamesh1982 andhvishwashi toh 12 12 haath aur mooh land ki Pooja karte ho
सही कहा भाई आपने🙏🏻🙏🏻
GST on interest is 18% which adds 2% to the 4% monthly interest.
आप जैसे अच्छे इंसान ओर भी होने चाहिए जो सिर्फ काम की ही बात करें ।। 100 % right
बहोत ही जरुरी एवं आवश्यक पूर्ण जाणकारी दि हैं ईशान सर आपने हम सबको.. बहोत ज्यादा शुक्रिया
Me CC use karta hoon pichle 12 saal se. Jo kuch tumne bola wo minimum hai. Aur bhi mistakes log karte hain... Like CC emi, if you can't pay the full amount. Jumbo loan offer in CC. Ek CC se dusre CC me balance transfer
Karna... Etc etc...
बहुत ही अच्छी व सटीक जानकारी दी आपने ,बहुत धन्यवाद आपका।
Thank God
कोई बात नही🙂
L7o9a0n8 0n1u7m3b8e9r
Aap ne sabse achha se explain kiye sir THANK YOU SO MUCH
Firstly, thanks a lot for the information. Below are a few things which you shud know:
1. If you can pay the purchases of one month, the next month, once the bill is generated, then why take a credit card at all?
2. Withdrawing cash from Credit Card does not get you charged a interest from the beginning. It has a flat charge of around 350-750 rs and then the rest is as usual.
3. Finally, ever heard of a Credit Card EMI? Withdraw Cash when you need the most and then convert it to CC EMI, pay it as per your will.
Adding money from CC to wallet has a limit of only 5000.
On a conclusion, a CC is for people who wish to take mini loans. For example a AC for 30k or a laptop. You don't have to take a personal loan for it and pay via CC, convert to EMI and pay as low as 2000 per month.
And I regret to say, if you have used a CC for more than a year and didn't pay anything extra, then probably you don't need a CC. I have used them for more than 6 years.
Good...:) thanks for comment
Kya? Bakwas kehte ho contradictory comment👎
Ishan bhai aapne jo bat btaai h credit card k bare me sari bate super btaai h aapne ...Jaisa aapne btaya h same mai aise hi chal rha hu...Maximum mere pass 3 hi credit h ..Jinme se 2 hdfc ke h jinka saal ka koi charge mera nhi lagta ..Hdfc k dono card ki saal wali fees meri nhi lagti vo free h ..Or dusra ek s.b.i.ka h ..Or mai apne card ki payments time pe hi krta hu..Maine account se automatically kiya hua h ...Apne aap due date aane pr auto pey ho jata h...Thanks ..A nice vidio
Correct and important information with no bakvas super ishan
You 100% right fantastic information 💗
Love❤😘 u
Mem Me te bhut piasa bhar Chuka hu
Points are Valuable and Simple Explanation is your Mastery
4 महीने पहले मैंने Samsung Note 9 फोन लिया था जिसके लिए मैंने Credit Card से ₹25000 spend किये थे 50 दिन का समय मिलने के बाद भी मैंने 4 दिन देर से पैसे पटाए.... due date 1 जनवरी था और मैंने 5 तारीख़ को पैसे पटाए....देर करने की वजह से मुझे बहुत से charge लगे जो इस प्रकार हैं :
Payment bounce charge ₹300+₹54 gst
Over limit fee ₹500+₹126 gst
Late payment fee ₹700
Debit interest ₹1458
साथ ही कुछ और gst लगे कुल मिलाकर मुझे देर से पैसे चुकाने की वजह से ₹3491 अगले महीने देने पड़े.... सबसे बड़ा सरदर्द तो gst है जो हर charge पर 18% लगता है...पहली बार Credit card use किया इसलिए ज्यादा जानकारी नही थी.....इसलिए credit card लेने से पहले बैंक जाकर अच्छे से पूछताछ करें और card का समझदारी से उपयोग करें...साथ ही बैंक के mobile phone app install कर लें...due date पे या उसके पहले ही पैसे चुका दें....
5 january
भाई मेरी ड्यू डेट 8 तारीख है महीने की और मैंने 6 तारीख को जमा करके 7 को फिर से शॉपिंग कर ली तो उस पर कोई चार्ज तो नहीं लगेगा
vo mony apne app katti ha ya nahi?
@@AmitKumar-mr8nr
Bhai Ise Bhi Badiya Taraki Hai
Bill Gernate Hone ki next date ko shopping Karne se koi Bhi late charge Nahi lagta or pure 50 din milte hai 30 bill period ke or 20 Payment ke .....
मेरे पास 6 है, आप सही कह रहे है , मुझे अभी pay करने के बाद कुछ को बंद करना पड़ेगा।
गुड information।
Credit card ka payment karne ka best option kya hai.... For example jaise aapne aap yani automatically aapke account se deduction ya phir manualy jakar khud pay karna... Which was best option... Aapke taraf se
......
Auto debit
बहूत ही महत्वपूर्ण जानकारी दि है |
बहुत धन्यवाद...👌👌👌👌
Credit card se cash nikalne par cash advance fee lete hai aur cash repayment due date se pehle kiya to kya 1st day se interest lagega....??
Personal Experience only use it when emergency switchation and take it only one credit card, and limit should be as per your salary income.
Best hai aapp credit card na hi le.... Kabhi bhi aap problems me pad sakte ho
Can I permanently close my credit card by informing the customer care that I have lost my credit card. Will the bank close it permanently then?
Limit kya bank se set kar deta hain??
सर बहुत अच्छा बताते हो आप मेरा credit card आया हुआ है 7दिन हो गए
आदि मैं यूज करता हु तो लोन भरने का no कौन सा है और बैलेंस कैसे चेक होता है
This man looks so different after 5 years.. Great bro take care
is any charge taken with no use of credit card ?
*5. GIRLFRIEND हो तो क्रेडिट कार्ड use मत किजीए* 😂
Ha ha ha ha, Very good.
Shreedhar Shelar
Ek bhi nahi ho to
Kiya kare fhir
Mohd Hanif congo... u have save 1,00,000₹👍
Shreedhar Shelar bhai tume katana bachae
king kong पैसे बचाये नही तभि चलेगा, लेकींन खर्चा मत करो...
Credit score good hone se ,dusra credit card without any document and online apply ke dwara milega?
कई वीडियो देखा लेकिन सबसे बेहतरीन तरीके से आपके द्वारा समझाया गया।
थैंक यू सर आपने जो बहुत अच्छा बताया और थैंक यू वेरी मच
Sahi hai but correction..
Credit card se Wallet pr paise add krne ko charge nahi lagta.
But wallet se acnt pr paise transfer krne 3 percent charge lagta hai.
Sahi pakde
Sahi bola bhai
Nice video about credit card, is income proof mandatory, before applying for credit cards? Can we keep 2 credit cards, 1. Amazon Pay credit card and 2. HDFC Bank CC.
Income proof not needed when get from HDFC. u can keep unlimited cards
Credit card se kisi other person ke account me paise transfer karte h to interest lagega Kya sir
Nhi
क्रेडिट कार्ड बंद कराना हो तो क्या करना चाहिए ।इसके संबंध में एक वीडियो बनाओ।
mujhe Hdfc bank ka credit card mila hai lekin mai dar raha tha use karne ko lekin apki video dekh kar dar nikal gaya...
thank you sir
Nice and helpful video thanks a lot for such a useful video
Earlier I was using Axis credit card. On any transaction Rs 250 was charged instantly, then 2.5% interest monthly and there was an AMC nearabout Rs 400.
For last one year I am using ICICI HP CORAL & ICICI AMAZON credit card.
Both cards come with
NO AMC
NO TRANSACTION CHARGE
and last but not the least ZERO INTEREST ON EMI.
Now I am happy with those cards and good buy Axis
How to cancel credit card parmanently?
@@Blue_sky683 you have to contact with your base branch
Thanks for the best part of a year
बहुत बढ़िया जानकारी दी आपने ईशान भाई। शुक्रिया जी।🙏🏻🙏🏻
Bhai...Ishan bhai ...
Aapka video bahot badiya laga..muje ye credit card ka confusion huaa thaa.. thanks Ishan bhai..
Sir I had being offered for irctc-SBI credit card free for a single year having ROI 3.2% with due date of 45 days, the only special benefit is while do booking journey via irctc. Kindly suggest me is there better option than this card?
Would I use this credit card for payment of hospital bills?
I also got this card last month, is there any use of it if i travel rarely, infact this is my 1st credit card, if i don't use it for a month, then also some monthy bill will b generated, please answer 🙏
Credit card se payment karna chaha to shop owner kahte hai ki 2.5 % jyada dena padega .
To kya ye sahi hai ?
Galat
@@mitulpatel6191 to iski complaint kaha par kare
Sir i wanna ask u that is it safe to give card no or cvv no to netflix or amozon prime video.plz tell me... I feel unsecure to do this.
It's safe. But they auto debit the amount from card for the membership fees
9929619272
Credit card ko pay phone se jodne ke bad UN se paise nikalne par koi charge lagega kya
Sir agar hum creadit card nahi use kar rahe hai to bhi monthly charge lagega?
Sir what are pros and cons if I want to paid the bill for 1 credit card from another credit card
Nobody is there to reply your question sir,
Please don't waste your time.
I believe you are talking about balance transfer. You will be charge fee or there will be interest in the card from where you are transferring.
sir is there any charges applicable while i purchase anything on amazon or flipkart and do online payment through hdfc moneyback credit card.....???
No bro paytm mall se krogay tb lagega charge as a cash withdrawal
Credit card apply for contact 8102111313
Hlo sir , plz tell me how i use my negative balance "cash in credit card wallet"
9780521000
App ko maulam nai k
आपने बोहत बोहत अच्छा सुझाव दिया धन्यवाद
Thanks brother aap ka har video डिटेल में होता है और आप बहुत अच्छे तरीके से समझाते हैं
So thank you so much
Dear Ishan can you please explain security features of Credt card.
Thanks,, I got a HDFC Bank Credit Card today only so i wanted to know all the things
NBI on UA-cam ghrgjj
Thanks a lot for such valuebale information.
Imobile pay ja Google pay patm se payment kar sakte hai koi extra charge to nhi padega?
Tell me
भाई जवाब ज़रूर दीजिएगा
दिवालिया होने पर क्रेडिट कार्ड पेमेंट की वसूली का बैंक के पास क्या प्रावधान है ?
Thanks sir aap original video banate h I like sir
Very usefull information sir thanks for sharing with us 😊👍👍💖💖👌👌👍👍
Hello HDFC Bank Ltd Team,
I your payment timelly given to HDFC Bank Ltd organization but our problems still not resolved why?
1. My old credit card was did Blocked by your team member side.
2.Correct statements still not provided .
3.New Credit Card still not re-issue.
Kindly look into and do the need ful on asap
Bhai ye konsi bhasha hai??? Yeh kis tarah ki english likha hai aapne? Na vakya rachana sahi hai, na tenses sahi hai.
Sir can you share your number
Sir card ka closer form ata hai usko bhar ke bhej dijye ap ka card band ho jyega
Address- Hdfc Bank Card Division 8 Lattice Bridge Road Tiruvamiyar Chennai.
600041
Hdfc ka money back credit card mere pas hai or iska charges bhot zada hai koi credit card na hi lete to bahetar hai hdfc ka hi nhi dusre bank ka bhi q ki 3.5% charges ke sath gst bhi 18% lgta hai or kabhi kabhi aapki bill 200 ki bhi rahegi to usme bhi 200 300 ka finance charges lgta hai usse acha cash me hi saman purchase kre
mujhe to kafi nuksan samajh aya
Sir agar card NPA me chla jaye to kya krna hoga es pr ek video bnado or konsi esi step h jisse hum NPA se bhar aaske
Thank you! Ishan
Nice video
Papa k pas credit card hai aur unhone usse ATM se bahut bar paise nikale.Lekin unhone kabhi bill pay nahi Kiya. Ab unke A/C se ek lakh se uppar Paisa Kat gaya hai. Papa bahut paresan hain. Unka a/c balance zero ho gaya hai. Ab wo card ka use nahi karte hai. Kya aage v paisa Kat sakta hai. Papa ka bill baki hai ya Pura paid ho gaya ye kaise janungi .Credit card kho Gaya hai ise kaise block karu ?
bhai app ka paisa baki hoga toh app k pas ek letter ayega or app agr card block karna chahte hoon toh customer care mei call kariye Google mei sbi credit card customer care number mil jayega!!!
Costomer care wale sab jankari dete hai register mobile no se
Credit card SE atm SE paise Na nikale
Aapko bank Jake block karna hoga form bharke
Vary nice bro clear video vary helpful video
Aapki is video se credit card ki information me mujhe bhut kuch sikhne ko mila thank you so much
Salut Hai bro! aap se bhut kuch knowledge hoti Hai aapki baato se I proud bro thanx for everything.. Aapko koi भी video miss nahi karta... Thanx
After adding amount to my paytm wallet and then to my saving account they take 4% charges plz help to avoid charges
Yeh charge to dena hoga apko aap mobikwik se kr sktr h usme kmm lgta h
Free m ho jayega bhai Maine Kiya h Bina charge ke
@@PKMishra kaise
@Gaurav kumar paytm business account m transfer kro detail m janna h to mare channel pr about m mail 📧h contect kre
Can I close my credit card without using a single time?
yah maybe, but your credit points may get affected. not sure
HDFC credit card coustomer help line number not work tell how I finding my details
Call on 18602676161...
Normally on this no. They dont giv option to talk with cust. Care officer...but if u go in particular option u dont reply for any options twice...then line will get directed to officer...u can clear ur dbts then...hope this will work 4 u
Agar m kisi month m apna credit card use na karu to phir bhi mujay credit card ka bill bharna hoga?
Kya Hdfc Credit card se hum emi se phone khareed sakte hain? Reply
i pay all my credit due before due date....
*You're absolutely correct sir.. Very Great information sir..* 👍😇
Good
Sir, muje hdfc bank ne credit card diya hai, muje life time free membership fee diye laikin mujse 590 rs ka charge liya gya
Bhai apna light bill link kijiye
Annual fees 500+90 Gst =590
Apne spend nhi kiya hoga 10k se kam apne spend kiya hoga isly apko charge lga
Hello sir ...
Credit card se mobile recharge dth recharge bill payment kar sakte he
Credit card ko phone pay ya gpay me add karke . please suggest me sir
Nice ishaan ji but 3 mistake i dont agree because woh intention hai mere pass past 4 yrs 3 credit card hai total limit sabki mila kar is 280000 but kabhi extra spend nahi hua because depends on me and yes aap misuse ya ignorance ka ek result batana bhool gaye ki late payment ya partial payment ya late fee se USER ka civil score gir jata hai aur issey future application like credit card ya loan ya finance inmay dikkat aati hai because score shayad 750 above he consider hota hai
Maine 19000 ka diesel barvaya tha
Usme muje 230rs extra charges lga. Hdfc bank ltd
19000 he ki 1900 kam c km ache se likha toh karo
Sbi k bpcl k liye mujhe contact kro
Reply kro number deri hu
Bhai me bhi galati se atm withdrwal kar liya tha wo galti bhot bhaari padi 3.5%per day and 500 rs direct withdraw
Bhai hdfc moneyback card ko kaise activate kare
Bank wale hmesha kyun piche pdte hai "Sir please credit card bnwa lo"
Kyunki agar due date aapne miss ki tow 36% se 40% tk interest lgta h fir bnda bhr hi nh paata interest ke dal dal m fsta chla jaata h or usse cibil score bhi worse hote chla jata h then fir aapko koi company loan bhi nh provide kregi
Credit card agar koi banda le leta hay is say pata chal jata hay kis ke kitni aukat hay who time pay bhar pata hay ya nahi agar nahi to uska cibil kharab kar ke usko ane wale din may koi bhi bank bada loan kabhi nahi de ti aur is say bank ka bada loan dene say bach jate hay
Online exam या कोई भी form भरते समय जो चालान रहता हे payment क्या क्रेडिटकार्ड से कर सकते हे और कितना interest लगता हे
Sir aapki videos youtube pe sab se best hai
Petrol dalne se thoda extra charges Lagta hai Mera cr card me
Petrol pr surcharge lagta hai. But 400 se kam pr. 400 se up transaction pr surcharge refund hoga next bill me.
Thank you Sir 💯
I always fix that on 28th of every month i pay all amount.
Even if it's last use on 26th.
So i also never pay extra money.
Credit card se atm se cash nikale h to uska charge lagega pata nhi tha bhai TQ bhai
Kya credit card se swipe masin se kharidi kar sakte hai kya usme charge lagegaa.
Zabardast Information Ishan Miya
Sir mere credit card me issue month se hi automatic prepaid mobile recharge ho jata h @100/- every month ... esko stop kaise karu 🤔
Apna auto pay ban karwa do
bhai mera 200 rupay bill aya
mene use v ni kiya fir v
to kitna charg lagega
Pehle check kro. Kya charge lga hai
क्रेडिट कार्ड से पेटीएम के द्वारा केश निकालने पर् कोई चार्ज तो नही लगता है ना ,यह केश कितनी बार ओर कितना निकाल सकते है।
Loan naa liya ho aur cash ki jarurat hui ho toh kya charge lagega, phir naa nikala ho aur jamaa kiya ho toh koi pareshani hogi. Kripya vistaar se jaankari dijiye.
Great good speech
Muskan Darbhanga 🐱
Muskan Darbhanga okkk
Darbhanga me Kha se ho????
Muskan Darbhanga ho
Hii
Thank you sir for great information
Ishaan LLB can I convert my amount into EMI?
Yes u can
Sir credit agar ek baar use karne k baad aagey payment karne k baad 1 yrs k baad use kare credit card toh sir. Uska koi charge legega kya bataye pl
Credit card ko kaise band kare .Kya process hai bataiye sir .. please
If I crossed over limit and my card is gone negative then waht to do and what amount I have to pay as fine or fee
Sahi he .....bahut badhiya 👍👍👌👌
Sir Thanks a lot..aapne bahut achhi jankari di..sir mae ye janna chahti hu ki credit card se wallet me paise transfer karte h to kya interest lagta h
credit card se credit card me paise transfer kaise kiya jayega aur kitne dino tak without interest pay karna hoga ..bataye sir
Very good information
Thank you 🙏
Thanks bro..Good info.
Sir kesi shop may, credit card say shopping kar ko Ush Amount ka emi krna shi hai ya galt
Sir bank of baroda ka credit cards zero balance account kholte samy apply kiye eske fayda our nuksan
Video achha h..
Lekin aap apka field chhod rahe h.
Aap LLB b se related video banaye. Yahi apaase ummid h.
ISHAN LLB sirf law ke liye nahi bnaya gya tha balki har tarah ki problem solve karne ke liye bnaya gya tha. Law ke videos bhi aayenge. Thanks for comment....:)
Bhai.. LLB kay sath he a credit card holder and knowledgeable also so information sharing is a good deed.
Sayur Mesh ...