Flipkart me 7144 ka Liquid cooler master liya tha Payment Flipkart axis credit card se kiya tha phir cancel kar diya sala 6,7din ho gaye hai refund Flipkart se aya hai Lekin credit me nahi🙂
@@dietitianchanchal3465 I Keep only 1 credit card. I use it for all my expenses and auto debit makes my life easy. No interest or charges ever levied to me in last 15 odd yrs. They started my cc limit with 50000. Now it's over 7 lakhs. They recently offered me their most premium private card. Credit cards are free, safe, convenient and offer interest free loan. It also helped me build my credit score and I can take all kinds of loans if needed.
@shibainu7500 If you had so much savings, you would not have an emergency. Let's say there was a medical emergency and you needed 2 lakhs...can you really build such a big emergency fund? And don't assume everyone is salaried...think small business people. No regular income, no medical insurance, and no pension walley.
I love your videos and the logic you got while explaining stuff, i have been watching a few and I saw the rent vs buy home video and this one, for me you're best finance tips person in both conservative and modern personal finance approach!
@@deepakmethani8906sidh sidha bolo ki H silent hain or sound O or O ek vowel Hain people like me confused with this sentence a honest person or an honest person because h is not a vowel
@@Empiredata561 Wait a minute bro : tell me which are correct !! 1. I visited a university yesterday. 2. I visited an university yesterday. 3. I bought a umbrella today. 4. I bought an umbrella today. 5. Ram is an honest. 6. Ram is honest. 7. Ram is honest boy. 8. Ram is an honest boy.
Mere ko smjh nhi aata kyun kuch log credit card ko itna bekar btane me lge hue h.... Agr mere ko 1 month ke liye interest free credit mil rha h to isme dikkat kya h??😅 10 saal se credit card use kr rha hun mai aisa boht baar hua h jb mere savings account me utna balance nhi tha bt still mne credit card use kiye Mme payment hmesha due date se pahle ki mere ko to aaj tk koi dikkat nhi aai Nd mera credit score bhi boht accha h
But one factor is that for merchant, Credit card transactions usually have more transaction fees than Debit card transactions due to which the prices increase.
Charges are there but seller can't can't charge that to buyer. There is a government ruling also to it. If still they insist .there are other sellers too.
Exactly what I do.. I buy using my CC... and then immediately pay it off.... I earn around 600 to 2k per month on cash backs... and I owe 0 by the end of the month
@@ZaikaBiharka29 ICICI Amazon Pay.. but cash back will only come in Amazon.. it works for me as I shop 80% from Amazon.. but HDFC also has good cash back cards.. you just have to explore what card suits your spending type
Ek baat batao aap... Jaise mujhe kuch lena hai 70k ka credit card pe discount mil rhaa mere paas pure paise hai turnt pay krne ka but credit card me offer mil toh kya credit card se pay krke turnt pura Paisa pay kr skta hu?
If a person is disciplined enough he can use it to manage 15-20 days business transactions.....for that one must know about each transaction he's doing including the dates of transactions🥂
That has been my motto for the past 10 years, since my first credit card. I have never missed or delayed payments and never bought anything beyond 50% of my salary.
1. It is a safe card with no liability on individual on theft. 2. Excellent offers and cashback. 3. Prevent the hassle of paying for things if salary is to be credited in a week or so. 4. Reward points redemption is a hefty amount. 5. Lounge access at airports, that too almost free. 6. Some cards like Amazon ICICI pay gives more than you demand for. 7. Can come very handy in emergency, we don't have to ask anyone for small amount. 8. Good use and timely payments drastically improves credit score. 9. Finally weak people can't handle them therefore its designed for them.
Awesome line.. Never buy anything with credit card which you can't pay by your debit card. I follow this exact rule for last 5 years and have built a very good credit score above the rewards I get by spending. Hope every one gets this simple rule to follow
Thats 10000000% correct, and if you'll use this line in ur actual life, you'll be making a lot more than what a credit card offers. Believe me, I have been using CC since 2018 and all bill payments are 100% on time. And it gave me rewards more than worth 1.5 Lac since then, though I have only 20-25K average monthly expense by CC.
Make huge expenses from the credit card, for which the money is already saved in savings account. This will increase your savings and delay your payments or atleast let you pay in increments. Example: You use your CC just a day before you receive your salary, then the current salary and the next month salary can be safely parked before paying off the dues.
I have a personal rule to enforce the guideline shared in this video. I don’t wait 40 days to pay my credit card bill. I pay the credit card as soon as I have completed my purchase. This way I get the benefits of using a credit card, and I am also not getting trapped in debt cycles.
Pesa h kharch krne ka lekin credit card ki limit ka dhyan rakho. Use krna bhi zaruri h. Jyada use kre to bhi score down ho jata h. Kbhi bhul gye pay krna to penalty ki tension. Ye itna jyada hassle h ki kbhi na kbhi galti ho jati h. Isse acha to lo hi mt
I started using CC from 1995. I always followed the said rule... here is a catch... Ek din aisaa bhi aayega ki aukat bhool jayenge (over confidence). Thise who used CC over 10 years known this very well.
Reward points lure you to expend more so in a way its not good for anyone. Probably good for those with very high financial discipline. But such people are miniscule in India.
In mostly cases peopal think credit card = Muft ka Paisa😊
Same 😅
These type of clowns also promote some credit card named as one card 😂😂😂😂
Flipkart me 7144 ka Liquid cooler master liya tha Payment Flipkart axis credit card se kiya tha phir cancel kar diya sala 6,7din ho gaye hai refund Flipkart se aya hai Lekin credit me nahi🙂
Yes, these PEOPAL!!
muft ka chandan ghish mere nandan
~ shidhu paji 😂
What a line sir ...Never pay anything by credit card that u cant pay by debit card ♦️♦️
Sidhe taur pe ye bola ja raha hai aukat me raha karo
Exactly ❤❤❤
Agar log jyada pesa karch karengw tho economy ki growth hogi
Jab Debit card se payment kar sakte toh Credit card ki jarurat nahi hogi 😂😂.koi chutiye ki baato main mat aao
but if you can pay with credit card then it automatically it can be paid by card in most cases
Using credit card for last 15 yrs and I am loving it. Never ever paid any charges and seldom encashed reward points.
Konsa CC hai?
But you have spent more
How you manage credit cards
@@dietitianchanchal3465 I Keep only 1 credit card. I use it for all my expenses and auto debit makes my life easy. No interest or charges ever levied to me in last 15 odd yrs. They started my cc limit with 50000. Now it's over 7 lakhs. They recently offered me their most premium private card. Credit cards are free, safe, convenient and offer interest free loan. It also helped me build my credit score and I can take all kinds of loans if needed.
Which one do you have and how much cashback?
Keep a credit card for emergency purchases only. Not for day to day purchases.
Wrong. Build an emergency fund seperately and don't rely on credit cards for emergency.
@shibainu7500 If you had so much savings, you would not have an emergency. Let's say there was a medical emergency and you needed 2 lakhs...can you really build such a big emergency fund? And don't assume everyone is salaried...think small business people. No regular income, no medical insurance, and no pension walley.
Activate a credit card and don't use it for whole year 😂
I bought a laptop with 10k discount.
Lol
Idfc first
I love your videos and the logic you got while explaining stuff, i have been watching a few and I saw the rent vs buy home video and this one, for me you're best finance tips person in both conservative and modern personal finance approach!
True! I am following it and my credit score is 855 😊
Most people take credit cards to avail EMIs on consumer items, since they're not available on debit card.
You are an honest person.
*A honest person
@@Empiredata561 No an honest person.. ( Sound "O" ki aa rahi hai Bhai). A.I.E.O.U ki Sound jaa ho waha An lagta hai...
@@deepakmethani8906sidh sidha bolo ki H silent hain or sound O or O ek vowel Hain people like me confused with this sentence a honest person or an honest person because h is not a vowel
@@Empiredata561 Wait a minute bro : tell me which are correct !!
1. I visited a university yesterday.
2. I visited an university yesterday.
3. I bought a umbrella today.
4. I bought an umbrella today.
5. Ram is an honest.
6. Ram is honest.
7. Ram is honest boy.
8. Ram is an honest boy.
@@deepakmethani8906I visited a university yesterday is correct
I bought an umbrella today is correct
Ram is an honest boy is correct
From many years even I kept telling people that don't pay from credit card if you don't have equal balance in savings account.
Mere ko smjh nhi aata kyun kuch log credit card ko itna bekar btane me lge hue h....
Agr mere ko 1 month ke liye interest free credit mil rha h to isme dikkat kya h??😅
10 saal se credit card use kr rha hun mai aisa boht baar hua h jb mere savings account me utna balance nhi tha bt still mne credit card use kiye
Mme payment hmesha due date se pahle ki mere ko to aaj tk koi dikkat nhi aai
Nd mera credit score bhi boht accha h
@@vikasRajput-mm1wm you got pro level of using Credit card, like me😋. The problem is not paying on time and keep increasing the debts.
True lines...❤
I follow this rule 😁
But one factor is that for merchant, Credit card transactions usually have more transaction fees than Debit card transactions due to which the prices increase.
Good Point.
@@fleek21 Yes
Charges are there but seller can't can't charge that to buyer. There is a government ruling also to it. If still they insist .there are other sellers too.
Merchants can't transfer the mdr to the customer. Report it to their pos seller.
To the point answer ❤️❤️ really it's a genuine answer 👌
Thank you, Best suggestion, sir ji😊
Isi baat par subscribe kar diya aapke channel ko...badi sahi baat batai aapne.
In simple terms... apply common sense 😌 means aukat me raho 😅
😅
@@1234m-m5s😅😅😅
Very clear understanding
Pranjal sir really you are a great Teacher
Absolutely spot on 🔥
Not only for reward points sir, I use cc to build a good civil and I am sure everyone knows how imp it's to hv a good civil.
Exactly what I do.. I buy using my CC... and then immediately pay it off.... I earn around 600 to 2k per month on cash backs... and I owe 0 by the end of the month
Konsa cc h
@@ZaikaBiharka29SBI CASH BACK CREDIT CARD
@@ZaikaBiharka29 ICICI Amazon Pay.. but cash back will only come in Amazon.. it works for me as I shop 80% from Amazon.. but HDFC also has good cash back cards.. you just have to explore what card suits your spending type
Ek baat batao aap... Jaise mujhe kuch lena hai 70k ka credit card pe discount mil rhaa mere paas pure paise hai turnt pay krne ka but credit card me offer mil toh kya credit card se pay krke turnt pura Paisa pay kr skta hu?
@@avinash4-5पर तुरंत करना ही क्यों? उस पैसे को शॉर्ट टर्म FD पर डाल दो। 1 महीने का इंट्रेस्ट तो मिलेगा। जब बिल जेनरेट होगा पे कर देना।
Wallah dost bahut imandari se baat karte ho aap. Warna to log bas samne wale bewakoof banane mein lage rahte hain😊
True lines ❤
Great advise which is nearly never followed
Absolutely true… well said
If a person is disciplined enough he can use it to manage 15-20 days business transactions.....for that one must know about each transaction he's doing including the dates of transactions🥂
Life too short for wait for things just buy with creditcard and pay later because time is more precious than money
and then run away😂
Good advice Sir... 😊
That has been my motto for the past 10 years, since my first credit card. I have never missed or delayed payments and never bought anything beyond 50% of my salary.
Right 👍👍👍 use for rewards
Thank you sir 🙏
1. It is a safe card with no liability on individual on theft.
2. Excellent offers and cashback.
3. Prevent the hassle of paying for things if salary is to be credited in a week or so.
4. Reward points redemption is a hefty amount.
5. Lounge access at airports, that too almost free.
6. Some cards like Amazon ICICI pay gives more than you demand for.
7. Can come very handy in emergency, we don't have to ask anyone for small amount.
8. Good use and timely payments drastically improves credit score.
9. Finally weak people can't handle them therefore its designed for them.
Bhaut hi acchi baat boali hai aap credit card kaa upyog apni aayashi ke liyye tooh bilkul nhi karenge
Bhai ulta boltey ho
Actually log cc ka use apni ayashi ke liye he krte hy
This is what I call short and simple 😊
Sb se genuine fin influencer ho sir aap.
Awesome line.. Never buy anything with credit card which you can't pay by your debit card. I follow this exact rule for last 5 years and have built a very good credit score above the rewards I get by spending. Hope every one gets this simple rule to follow
I have taken just one credit card life time free, just to access airport lounge 😎. Thats the only one use n benefits i recon 😁
Which credit card??
And annual fees?
Indeed true...if you can't repay, don't even think about credit card
Thanks for the good suggestion
Thats 10000000% correct, and if you'll use this line in ur actual life, you'll be making a lot more than what a credit card offers.
Believe me, I have been using CC since 2018 and all bill payments are 100% on time.
And it gave me rewards more than worth 1.5 Lac since then, though I have only 20-25K average monthly expense by CC.
Debit card is like pay first enjoy later while in credit card 💳 enjoy first then pay later with high amount (high interest rate)
Sir credit card sa ipo apply kar sakte hai ...
Love your advise 💝
Hence Debit must be equal to Credit 😊
Really Good advice
Nice Explained 😁
Dil❤se thank you sir
Ekdam sahi baat boley Bhaia apne
Informative 👍🙏
Make huge expenses from the credit card, for which the money is already saved in savings account. This will increase your savings and delay your payments or atleast let you pay in increments. Example: You use your CC just a day before you receive your salary, then the current salary and the next month salary can be safely parked before paying off the dues.
Thank you bro
Use krna aana chahiye baki koi dikkat ni
Me 3 saal se use kr rhi hu 5 card h mere pass..bhut bhadiya cheej h 😊
Great👍 words I love it
I have a personal rule to enforce the guideline shared in this video. I don’t wait 40 days to pay my credit card bill. I pay the credit card as soon as I have completed my purchase. This way I get the benefits of using a credit card, and I am also not getting trapped in debt cycles.
Buy only big things in credit card and put in emi . Don't use credit for small stuff and too much .
Only if used, smartly 💡
I use credit card only for its superior dispute resolution- mainly in international transactions
Believe it or not but if credit card is used in a disciplined manner it can be very useful
Same, i have 5 credit cards but 2 of them don't even get a bill, other 3 use just
Yes. I also use my card for discounts like Flipkart and amazo sale. and it's very satisfying when you get 2-3 k discount easily
Thanks you bro
I do it to increase my credit score. Positive thinking. Within 4-5 days I pay up my bill.
One more thing Never withdraw cash from credit card,
Remember Never
Same is what i do... For rewards only 😊
Pure you tube ke duniya me ye Banda 2 hai Sach bolane wala e1 rajput hai 🎉
Pesa h kharch krne ka lekin credit card ki limit ka dhyan rakho. Use krna bhi zaruri h. Jyada use kre to bhi score down ho jata h.
Kbhi bhul gye pay krna to penalty ki tension.
Ye itna jyada hassle h ki kbhi na kbhi galti ho jati h. Isse acha to lo hi mt
Use krna aana chahiye baki koi dikkat ni
Me 3 saal se use kr rhi hu 5 card h mere pass..bhut bhadiya cheej h 😊
i also thought in case of emergencies
Well said Pranjal Sir
kuch jagah pe compalsury hai jaise cloud computing , waha pe credit card hai mangte hai
I always use my credit card for the offers and it also helped me to boost my cibil score
Very true sir...i always follow this rule
Exactly 👌👌👌👌
Exactly. I save get cash back about 600 p.m via Amazon icici card.😅
And the best part is I get cash back via cred. I get about 65 rs cash back p.m on cred
Nicely explained
Me 3 saal se use kr rhi hu 5 card h mere pass..bhut bhadiya cheej h 😊
Sir foreign country mein kya karun main. Please batai
Sahi baat hai aap bilkul sahi bol rahe ho
Very good 💯
Mai to yahi karta hu sirf offers ke liye 😊😊
Use only at emergency time like oxigen cylinder
😊
My view.... I often have amount in my account, i just use it to get cashback, interest free money...
I started using CC from 1995. I always followed the said rule... here is a catch... Ek din aisaa bhi aayega ki aukat bhool jayenge (over confidence). Thise who used CC over 10 years known this very well.
Credit card benifit ta full vedio banao ji all benifit discount bara daso ji
Bhai stock ki PE valve to thik se dekha nhi rahe ..ab bar Rajesh export ko dekh lena
Thank You Pranjal ji
Credit score be like:you didn't have to cut me off 😂
Credit card saved me twice in an emergency.
Was just watching his own video about credit cards sponsered by HDFC credit card and then this short was recommended .
The IRONY
bilkul main sirf petrol k liye CC use karta hun month end mein idea bhi ho jata Hain aur kuch credit card mein mil bhi jata hai
Yes Bhai discount ke liye hai use karta hoon.
Aur airport pe free lounge ka access 😅
hdfc millenia ka debit card reward points dete hain but yearly charge 560
Sir ye bhi bata do ke credit card kaha use karna hai aur kaha nahi?
Thankyou Dada 🎉
Sahi bola apne lekin lifetime free bala lena hain ki annual charge wala please suggest
I usually Pay in CASH .... And the amount of discounts I get in returns are multi fold then these rewards.....
Electronic appliances k liye to credit card sahi hai na
Reward points lure you to expend more so in a way its not good for anyone. Probably good for those with very high financial discipline. But such people are miniscule in India.
Credit use for emergency funds 😊😊
Same goes for online course mafia..
Agr mujhy kmai ho rii hai to sub ko ni chipka skta❤❤❤
Amazon flipkart ki deals ke liye rakh lete h credit card
Free lounge access k liye fir Konsa card le...