To apply for the Uni Pay 1/3rd card, check out the link given below. unicards.onelink.me/KRuW/f7b6f763 In today's video, we'll be understanding a very interesting and new concept in the credit world, which is a 'Pay 1/3rd card' and how it differs from a traditional credit card. Uni Pay 1/3rd card is now available for the users in the following cities: Ahmedabad, Bangalore, Chennai, Kolkata, Hyderabad, Pune, Delhi NCR, Lucknow, Vijayawada, Mumbai, Indore, Jaipur, Kanpur, Surat, Vadodara, Guntur, Ambala, Chandigarh, Karnal, and Patiala
Earlier rachna mam 10% affiliate marketer 80% best teacher, 10% financial advisor/TH-camr. Now 95% video is about affiliate marketing products. 5% share market. There is no teacher exist.😔😔😔😔
True. There is big money these youtubers make from affiliations especially Fintech companies are paying big for their growth.. for eg Upstok was paying 500 Rs for every signup.. even if 1000 subscriber than also it's 5 Lakh rs
I agree, it is not possible for a youtuber to survive without affiliate marketing as at the end of the day everyone wants to earn more money. We need to check the product which they are marketing if it suits us then we should go for it. It shouldn't be like vimal pan masala which our top Bollywood actors endorse
@@moonlambo1886 Thanks mam, I follow your videos and ur guidance on finance management but I am too far away from risky asset named crypto. Maybe a old school person who listens to his parents..
@@ms-dk6xh Exactly the Logic of Negative Marking. Spending will increase to 3X....regardless of pendings of future 2 months 🙄 assuming 2 months incomes regularly.
I truly understand your point. But dont agree with your few words like " unbaised and objective information" Could you please explain your comment which might be helpful for me as well.
I have been an avid subscriber of your channel because of the quality content you used to post on your channel. Your channel is slowly becoming a medium only to promote affiliated marketing links. This specific promotion is proving that you are throwing your values out of the window and encouraging your subscribers to adopt a credit-based lifestyle! Really? Is that the message you want to convey? I mean, I get it that you would also need to make a living but not at the expense of your innocent subscribers right? I'm sure there are better ways to do it by keeping the best interest of your subscribers!
Credit card or credit system in itself is not evil. Its upto the person who is using them to not over spend. Credit card has a lot of benefits like improving cibil score, safer than debit card in case of stolen, cashback and rewards. Its only when you over spend more than you can pay back and miss your due date that these cards become evil.
@@argha5017 Exactly! People treat credit cards as if it's the devil or something. Credit Cards are much better than Debit Cards or Cash payment in so many aspects but it is up to the user if they are able to make use of it or just fall in a trap. But if used correctly, it can do wonders
Dear All, Please note that this a card which provide good facility but it is not a credit card basically..The card is issued based on Consumer loan which will be reflected in your CIBIL report once you got this card. I think it makes high impact on CIBIL score and failure of repayment makes your CIBIL Low.
The problem with this is that a person is getting more buying power even though they don't have the money. If one is careful how they spend then it a good idea.
@@CARachanaRanade All the Expenses are 1/3 and also if I want to pay in Full , first I get 1% Cashback then the balance will be payable . Looking at the Cost Of Capital it is like No Cost EMI for 3 Months . Best Experience
I feel this channel is inspired by Inshan LLB channel ... Bt nice content n girl explaining everything in very unique way... I just loved this channel.. I m ur new subscriber...
It's a debt trap. Apply for it with a caution and use it only if you are having a good financial discipline and can keep a track of the payment reminders. Else the debts will multiply
Any business is driven by profit, especially in finance related corporations. How will features that they are offering make them profit or grow as company, considering all charges involved to maintain company, employee and app investment?
Mam I don't no About market & finance.but I watch ur first beginning of ur vedio. In every topic simply superb I 👍 but those interested in finance I will share d vedio..keep going mam ty...
Hi Rachana. Thanks for posting this video. This video is so resourceful to get information on uni pay 1/3rd card. Just had one question regarding that how the uni pay 1/3rd card will help us to improve the credit score?
@Somya Garg Agreed to an extent as that's what algorithms are built for !!! However I was referring to the time when the video got streamed as I was reading about the same.
I am already using Uni card. I must say on boarding is super quick, unboxing was like opening iPhone and they pamper you with some goodies after your first swipe.
Ma'am you are an undisputed Market Leader in your field. You are amazing. I am a physiotherapist from Mumbai and I really appreciate your hard-work. God bless you and your team. Thank you.
Thanks for the comment are you interested in getting more info and guidance for better crypto gain? .......Text....my....broker... W/ H/ A/ T/ S/ A/ P /P .+/ 1/ 9/ 1/ 3/ 5/ 4/ 3/ 1/ 3/ 8/ 1...
Just loved the way you explained everything about this card in details and pricisly to the point. Unlike other youtubers who explain stuff in a hurry and with no proper illustration, I must say you're full of life and energy. Keep up the good work. 👍
Hello Ma'am, loved your video as always, but I felt like this video was more like a #AD than a promotional video(yes, it's a promo video because youtube showed disclaimer the the video contains it). Not just that, I feel disappointed because I considered you as my teacher, and after watching this video it really feels like our teacher is doing something that is considered borderline unethical in the youtube/influencer/celebrity space. I am not against you doing any promotions/ADs/Sponsors but all we ask is for you to properly mention that they are promotions/ADs/Sponsors in the video, so that people do not get mislead.
Look siddhant, rachna maam is not promoting anything wrong or illegal in nature, because this service will be fruitful to many people so she has done the needful. She also has to think about herself and her family. If she didn't promote this awesome service people wouldn't have come to know about it. Siddhant don't use this platform to promote unnecessary hate. Teacher considered unethical because she's promoting a genuine good service. How stupid of you siddhant. Your mindset and thinking is so so narrow. Expand it, will be helpful.
@@HarshPatel-bl9ym looks like you did not read the second paragraph, i'll type it again for you in quotes,"I am not against you doing any promotions/ADs/Sponsors but all we ask is for you to properly mention in that they are promotions/ADs/Sponsors in the video, so that people do not get mislead". And i reiterate, have as many sponsors/promos/Ad as you want, but disclose this information to your viewers, and this is becoming classic with her channel where at the start of the video you see the banner of "This video contains paid promotions" but the video in itself is a complete AD and all the disclaimer says that there are paid promotions, the cred video and now unipay. My complete point is distinguish between AD and paid promotions/sponsors and mark the video for each category accordingly. Edit: I do not consider her or her team unethical for making an AD about a good service, I consider it 'borderline unethical' to make an AD and mark it as a promotion.
@@HarshPatel-bl9ym It was his opinion which he gave it out so his wish, why are you abusing someone. If you are saying someone stupid then it's 💯 obvious that you are the no. 1🤣 Stop behaving like a child here by abusing and grow up and go lead your life.
Obviously from the payment defaulters. Personnel who don't have the financial discipline will be on a spending spree and will end up as defaulters paying to the company
I come to your Channel Only to Enjoy the Very First Part..... Which Relaxes Our Minds to Core..... Puts a Smile On Our Faces and Proceed to Video Further freshly. 😂😂😂👌👌👌
GOOD VIDEO:EVERYONE NEEDS MORE THAN THEIR BASIC SALARY TO BE FINANCIALLY SECURED, THE BEST THING TO DO WITH YOUR MONEY IS TO INVEST, MONEY LEFT IN SAVINGS ALWAYS END UP USED WITH NO RETURNS,
Hello. I'm actually looking for a good trader that can help me trade and make good profit, I've been seeing so many recommendations but i don't think they're trusted. Please do you have any recommendation?
Most time having knowledge or insight about a particular activity can as well be a pleasing exercise. I can boldly say that forex and crypto trading is one of the profitable money exchange services that elevates investors and their financial status.
@clever marry my cousin recommended her to me. He has been investing with her for some months now, but he earns just 60% of whatever he invests in a week which i think its too low, I've seen other traders who offer to give you 300% of whatever you invest
@@harrisondiamond2624 consistency is key, I've been investing with her for months now and I've made alot of profit from her. Most of those traders who offer to give you 300% of whatever you invest might scam you of your hard earned money. Forex ain't that easy you know
Hello Everyone, As this 1/3 card uses our credit line, does that mean the limit that we get from NBFC is classified as unsecured loans? and affect our CIBIL score in the future? Please update me if anyone has any clue regarding this.
Well your amount u use will automatically be classified under unsecured loans. Also it will affect your CIBIL score too. I'm still wondering why Rachana ma'am who always does a no biased review didn't mention this important point for the public.. just because its negative.🤦♀️
Great card, Great concept and nice innovation…. Only disappointment is, it’s link with RBL bank (customer service is terrible ) and non availability for iPhone users….
I think that your notion that uni users will need to deal with RBL customer care is totally incorrect. For any financial company to start business it needs to be linked by a bank but the customer support is managed by the issuing company eg RBL v card all the queries are answered by vcard support not RBL, Fi money all the queries are handled by them if you call federal bank they will just provide Fi customer care number
@@sandipnandi16 I wish you are correct, many people applied coz I have applied for this one. But the terms and conditions in PDF documents say so which is there on the website.
Thanks again Rachna madam for bringing this video about this new credit card concept. You really explained well how the card is different from other credit cards in the market. This product looks to be promising and I am tempted to apply for it. Few questions still in my mind. 1. Does it allow to pay in more than 3 instalments? 2. How does one select if he wants to pay 1/3 rd or in full? 3. How does Unipay make money as it does not charges any interest or joining or annual fees. Is there any hidden catch?
@@b228d0 Bro you are wrong. Each one third will not show as individual unsecured loan. The card will only show up as one single unsecured credit card. Every month’s bill amount will show up as the outstanding amount on the card for that month. If you pay the dues before the billing date, then it will show as 0 outstanding amount in credit report. I have a CIBIL membership and I am monitoring these things regularly
This video was very informative. Thanks! However, I have a query... Payments made using the 'Swipe' 1/3rd card (similar to UNI card) is labeled as unsecured personal loan, which appears to be harmful to the credit history of the user. Does the UNI card work in the same manner?
I checked few blocks and watched videos here but I don't see a straight answer to this question from anyone. I think it will reflect as unsecured loan on entire approved amount even though it's not utilized.
Yes same question, if restaurant bill is Rs 6000 and i pay only rs 2000 this month and then remaining 4000 will be paid by me after 1 month with 0% interest! So where is their profit?
your presentation is really nice.....can you bit focus and let me know in detail....like how many such credit line cards, account one can open or avail...like lazypay, slice, uni etc...can one individual get all of these and how really will it affect ones credit score.....???
Iam writing this after working in uni for 6 months, they remove me from the organisation only for silly reason, uni won't provide proper service to their customer, and my managers use to presurise us to get feedback survey which is purely depend upon customer based on their satisfactory and it was customer right, only bcoz of getting less feedback score eventhough i was handling escalations in email team which is highly impossible to get good feedback where my company provide chep services to their customer. By trusting this job i took loans and they did this pathetic termination, where quality monitory people and no one else don't even know the product and process still they are segregating things and app is in beta version, they could have hired machine or robort if they are expecting zero errors eventhough it was not my error, the reason is they put me in pip only for not having good feedback from customer, for soft closing few tickets only to not loose my job became my biggest mistake as per them and they did pathetic termination, danish being opration manager treating employee as like garbage, since it is management mistake as there was no proper traning and no hr induction its is against company policy, all the policies are applied only for employees not for the employer, i need justice, i need either job or compensation for this pathetic termination. Worst management who doesn't have value for their employees and customers, they are in market just to make fools and make money in the name of pay 1/3rd. Talent doesn't matter here bucketing matters allot to the manager Danish Don't even take uni card and work in this company, apart from making fools to their employee and customers, they are doing nothing, I my self feeling ashame of being part of such worst organisation who's manager mr. Danish don't even value their employees he treat us like garbage, be careful from uni they are just making false promises, anybody a common person can easily understand for everything they will just convience and they do nothing, they do have thousands of problem in their uni cards and app and they are expecting 100% positive feedback from customer which is highly impossible bcoz customers are not fools to give good feedback blindly where there refund issues or any other issues take more than 30days a mad or dum person also not give feedback, which is not at all my mistake still they put me in pip and not even gave chance directly removed me from the organisation, if this is the behaviour for their own employee then how about common person who trust uni and use their card so that company gets revenue and for the same customers they may have medical emergency still don't at all refund customers own hard earn money. And simply they just says with in 6 month they will increase limit but trust me it depends on ur cibil they don't even help you, they tell lie only to get more numbers of customers to get their business they don't value customers as how they did for me. @cards_uni Becareful people before taking unicards being uni employee iam suffering allot, unethically they terminated without paying my salary by trusting uni i took loans and it's due's, fruad company who play with emotions by name of 1/3rd, Danish mgr don't hve time to talk.
Is this a paid promotion? I see referral and influencer benefits for you. I just hope you share these information upfront so that we make good decision.
Maam i have a question that soppose i got a bill of 3000 for this month and i opt for 1 3rd payment for the bill so i have to pay only 1000 this month and rest on other but if on second month i have an bill of 6000 and i opt for 1 3rd agai so now in this month i have to pay 1000 for previous one and 2000 of thi month and this goes on.... Something suspecious 🤔🤔🤔🤔🤔🤔🤔
Mam you should have told about this is not a credit card....this uses our credit line and is issuing us NBFC loan....kind of like consumer durable loan
Thanks for the comment are you interested in getting more info and guidance for better crypto gain? .......Text....my....broker... W/ H/ A/ T/ S/ A/ P /P .+/ 1/ 9/ 1/ 3/ 5/ 4/ 3/ 1/ 3/ 8/ 1..
How to close as well as block this card (is there any chargers for block and close this card)if we are facing some issue can you reply on it if you have any idea .
Slice card i am using it more or less similar to Uni Card. Only 1 main prob is credit period to pay it is of only 5 days and in normal credit card min 15 days to pay the bill. Cashback will be received if you pay the complete bill if you make it in EMI then cashback we will lose. Cashback which they are giving will not remain permanent once the market is set then cashback will be removed and multiple conditions they will implement.
To apply for the Uni Pay 1/3rd card, check out the link given below.
unicards.onelink.me/KRuW/f7b6f763
In today's video, we'll be understanding a very interesting and new concept in the credit world, which is a 'Pay 1/3rd card' and how it differs from a traditional credit card.
Uni Pay 1/3rd card is now available for the users in the following cities: Ahmedabad, Bangalore, Chennai, Kolkata, Hyderabad, Pune, Delhi NCR, Lucknow, Vijayawada, Mumbai, Indore, Jaipur, Kanpur, Surat, Vadodara, Guntur, Ambala, Chandigarh, Karnal, and Patiala
What A Intro Mam Seriously 🤣🤣🤣
Mi aaj duparich download kelay uni beta app ☺️
Earlier rachna mam 10% affiliate marketer 80% best teacher, 10% financial advisor/TH-camr.
Now 95% video is about affiliate marketing products. 5% share market.
There is no teacher exist.😔😔😔😔
True. There is big money these youtubers make from affiliations especially Fintech companies are paying big for their growth.. for eg Upstok was paying 500 Rs for every signup.. even if 1000 subscriber than also it's 5 Lakh rs
I agree, it is not possible for a youtuber to survive without affiliate marketing as at the end of the day everyone wants to earn more money. We need to check the product which they are marketing if it suits us then we should go for it.
It shouldn't be like vimal pan masala which our top Bollywood actors endorse
This is the reason that purpose of creating youtube channel.
After all its a business not NGO. Her time has value. Her content is great like always.
@@shubhamdubey2061 but to get some money selling poison it not good thing.
Making India ready to live on credits which our parents have always opposed..
@@moonlambo1886 Thanks mam, I follow your videos and ur guidance on finance management but I am too far away from risky asset named crypto. Maybe a old school person who listens to his parents..
BOOM bOOm 💥 dOOm DOOM 💥
This how Economic goes into Hell...!! US way..🤣😂
That's the trap. We r falling into.
@@ms-dk6xh Exactly the Logic of Negative Marking. Spending will increase to 3X....regardless of pendings of future 2 months 🙄 assuming 2 months incomes regularly.
Wealth killer card, stay away from it
Gradually going into marketing mode rather than giving an unbiased ,objective information.
I truly understand your point. But dont agree with your few words like " unbaised and objective information"
Could you please explain your comment which might be helpful for me as well.
Time to unsubscribe bro
Clearly mentioned "Includes Paid Promotion" in the beginning of the video
Hillareous. Cant stop laughing for the starting part.... Too too good
Me too😂😂😂
Rachana ji kis line me agayi thi. 😂
Rachana Madam has mastered into digital marketing, curiosity approach clubbed with quality content
Me too 😂
I have been an avid subscriber of your channel because of the quality content you used to post on your channel. Your channel is slowly becoming a medium only to promote affiliated marketing links. This specific promotion is proving that you are throwing your values out of the window and encouraging your subscribers to adopt a credit-based lifestyle! Really? Is that the message you want to convey?
I mean, I get it that you would also need to make a living but not at the expense of your innocent subscribers right? I'm sure there are better ways to do it by keeping the best interest of your subscribers!
Whether you take card
Credit card or credit system in itself is not evil. Its upto the person who is using them to not over spend. Credit card has a lot of benefits like improving cibil score, safer than debit card in case of stolen, cashback and rewards.
Its only when you over spend more than you can pay back and miss your due date that these cards become evil.
@@argha5017 that's a trap !!!
@@argha5017 Exactly! People treat credit cards as if it's the devil or something. Credit Cards are much better than Debit Cards or Cash payment in so many aspects but it is up to the user if they are able to make use of it or just fall in a trap. But if used correctly, it can do wonders
I have 20 credit cards and I'm financially smarter than you peasant
Dear All,
Please note that this a card which provide good facility but it is not a credit card basically..The card is issued based on Consumer loan which will be reflected in your CIBIL report once you got this card. I think it makes high impact on CIBIL score and failure of repayment makes your CIBIL Low.
Other Credit cards also reflect in your CIBIL report.. So no difference there from other credit cards.
Yes
@@vareeshasachan8278 no
Really surprised this was not mentioned
Excellent video, the way you have explained is so interesting and as well as candid...
The problem with this is that a person is getting more buying power even though they don't have the money. If one is careful how they spend then it a good idea.
Hats off to whom who had planned the starting part of the video. Might be a frustrated employee..
Already have the card in my Hand with 20k limit . It's very good card
How has been your experience?
@@CARachanaRanade All the Expenses are 1/3 and also if I want to pay in Full , first I get 1% Cashback then the balance will be payable . Looking at the Cost Of Capital it is like No Cost EMI for 3 Months . Best Experience
Cash withdrawal or add money?
Good video thanks you madam she is really very brilliant in finance knowledge
@@CARachanaRanade hope this Uni card also affect and improve Cibil score
I feel this channel is inspired by Inshan LLB channel ... Bt nice content n girl explaining everything in very unique way... I just loved this channel.. I m ur new subscriber...
It's a debt trap. Apply for it with a caution and use it only if you are having a good financial discipline and can keep a track of the payment reminders.
Else the debts will multiply
90 % failed in financial discipline bro, so it's just a systematic trap for greedy consumers
Thanks a lot for thorough explanation....all doubt cleared
Ma’m you missed to mention about interest free period which is usually 45-55 days but for Uni card it’s 40 days as the grace period is only 9 days.
no grace period is 5 days only
Nice presentation mam, I will definitely go for it,👏🙏
Any business is driven by profit, especially in finance related corporations.
How will features that they are offering make them profit or grow as company, considering all charges involved to maintain company, employee and app investment?
Mam I don't no About market & finance.but I watch ur first beginning of ur vedio. In every topic simply superb I 👍 but those interested in finance I will share d vedio..keep going mam ty...
Others see comedy clips when they're sad. But I watch Rachana's videos bcoz it has everything - humour, motivation, information and what not ♥️
😃😃😃😃😃
Nice explaination 🙌🏻
Lahan baal pn smjl asel jr video baghitla asel tar 😁
🔜🔝🤟🏻😍
Hi Rachana. Thanks for posting this video. This video is so resourceful to get information on uni pay 1/3rd card. Just had one question regarding that how the uni pay 1/3rd card will help us to improve the credit score?
I like your presentation skills, I like it in full and subscribed it in full too
What a timing Mam !!! I was reading about the 1/3 Uni Card and your video notification pops up...
@Somya Garg Agreed to an extent as that's what algorithms are built for !!! However I was referring to the time when the video got streamed as I was reading about the same.
Very nicely explained..Thank you
I am already using Uni card. I must say on boarding is super quick, unboxing was like opening iPhone and they pamper you with some goodies after your first swipe.
Can we use for online transactions?
Nice to know from you.
What if I buy a bike worth Rs 1 lakh
Then can I get 1% cash back
@@ahamedmakbul2211 Absolutely. As long as you have sufficient credit limit you are eligible for 1% cashback.
@@raghu_vamsi thank you
what kinda goodies?
The second thing that make me happy after your content is , Entrace of your video...
Intro getting better and hilarious each passing day 🤣.
Haha true
And the most important information is that it will add unsecured consumer loan in our CIBIL which will affect CIBIL score .
I am proud of you for saying Jai Hind word from your inner heart .
Jai hind
Excellent way of explaining with humour in the start. Short $ crisp to the point. Thank you
Having soo many videos for this cards but never bought it now u have recommended it will surely go for it 🙏
Ma'am you are an undisputed Market Leader in your field. You are amazing. I am a physiotherapist from Mumbai and I really appreciate your hard-work. God bless you and your team. Thank you.
Thanks for the comment
are you interested in getting more info and guidance for better crypto gain? .......Text....my....broker...
W/ H/ A/ T/ S/ A/ P /P
.+/ 1/ 9/ 1/ 3/ 5/ 4/ 3/ 1/ 3/ 8/ 1...
Sir back m bhut pain h kch ilaaj btao
Madam is all in one. she is comedian,CA, and Expert of stock market
Just loved the way you explained everything about this card in details and pricisly to the point. Unlike other youtubers who explain stuff in a hurry and with no proper illustration, I must say you're full of life and energy. Keep up the good work. 👍
Really appropriated your efforts
Hello Ma'am, loved your video as always, but I felt like this video was more like a #AD than a promotional video(yes, it's a promo video because youtube showed disclaimer the the video contains it). Not just that, I feel disappointed because I considered you as my teacher, and after watching this video it really feels like our teacher is doing something that is considered borderline unethical in the youtube/influencer/celebrity space.
I am not against you doing any promotions/ADs/Sponsors but all we ask is for you to properly mention that they are promotions/ADs/Sponsors in the video, so that people do not get mislead.
The video does contain the tag of "includes paid promotion" which shows up immediately after the video starts!
Look siddhant, rachna maam is not promoting anything wrong or illegal in nature, because this service will be fruitful to many people so she has done the needful. She also has to think about herself and her family. If she didn't promote this awesome service people wouldn't have come to know about it. Siddhant don't use this platform to promote unnecessary hate. Teacher considered unethical because she's promoting a genuine good service. How stupid of you siddhant. Your mindset and thinking is so so narrow. Expand it, will be helpful.
@@HarshPatel-bl9ym looks like you did not read the second paragraph, i'll type it again for you in quotes,"I am not against you doing any promotions/ADs/Sponsors but all we ask is for you to properly mention in that they are promotions/ADs/Sponsors in the video, so that people do not get mislead".
And i reiterate, have as many sponsors/promos/Ad as you want, but disclose this information to your viewers, and this is becoming classic with her channel where at the start of the video you see the banner of "This video contains paid promotions" but the video in itself is a complete AD and all the disclaimer says that there are paid promotions, the cred video and now unipay.
My complete point is distinguish between AD and paid promotions/sponsors and mark the video for each category accordingly.
Edit: I do not consider her or her team unethical for making an AD about a good service, I consider it 'borderline unethical' to make an AD and mark it as a promotion.
@@sjkeskar14 this type of honesty can only be expected from Foreign TH-camrs.
@@HarshPatel-bl9ym It was his opinion which he gave it out so his wish, why are you abusing someone. If you are saying someone stupid then it's 💯 obvious that you are the no. 1🤣
Stop behaving like a child here by abusing and grow up and go lead your life.
Rachana madam has the best intro whole youtube... Ngl in teaching genre 😍😍😍😂😂😂😂😂😂
I was expecting that she will give information that how Uni 1/3rd credit card company makes money out of this.
Obviously from the payment defaulters. Personnel who don't have the financial discipline will be on a spending spree and will end up as defaulters paying to the company
I come to your Channel Only to Enjoy the Very First Part..... Which Relaxes Our Minds to Core..... Puts a Smile On Our Faces and Proceed to Video Further freshly. 😂😂😂👌👌👌
What a starting, Amazing always getting New thing.
Thanks
Nice explanation mam....
Respect..... 🙏
GOOD VIDEO:EVERYONE NEEDS MORE THAN THEIR BASIC SALARY TO BE FINANCIALLY SECURED, THE BEST THING TO DO WITH YOUR MONEY IS TO INVEST, MONEY LEFT IN SAVINGS ALWAYS END UP USED WITH NO RETURNS,
You're right ma.,
That is why I had to start forex trading 2months ago and now am making benefits from it,.
Thanks for introducing me to Sam Justin my first inv... with Sam Justin gave me profits of over $44,000 US dollar,
And I can't say he's the most sincere
broker I have known,
O' Yes I'm a living testimony of Sam Justin.
Basically most of these credit line cards are powered by sbm banks....only issuer is different like slice, uni etc.
Apart from CA, Rachana tai you can also be a stand-up comedian.
Ma'am you have a distinct style of presentation, very apt
Hello. I'm actually looking for a good trader that can help me trade and make good profit, I've been seeing so many recommendations but i don't think they're trusted. Please do you have any recommendation?
Most time having knowledge or insight about a particular activity can as well be a pleasing exercise. I can boldly say that forex and crypto trading is one of the profitable money exchange services that elevates investors and their financial status.
That's true most people today have been having a lot of failures in forex and crypto sector because of poor orientation and bad experts
@clever marry I did invest with her and I made huge profits
@clever marry my cousin recommended her to me. He has been investing with her for some months now, but he earns just 60% of whatever he invests in a week which i think its too low, I've seen other traders who offer to give you 300% of whatever you invest
@@harrisondiamond2624 consistency is key, I've been investing with her for months now and I've made alot of profit from her. Most of those traders who offer to give you 300% of whatever you invest might scam you of your hard earned money. Forex ain't that easy you know
Introduction was too good to watch.
Hello Everyone,
As this 1/3 card uses our credit line, does that mean the limit that we get from NBFC is classified as unsecured loans?
and affect our CIBIL score in the future?
Please update me if anyone has any clue regarding this.
Yes...it will affect your cibil
Well your amount u use will automatically be classified under unsecured loans. Also it will affect your CIBIL score too. I'm still wondering why Rachana ma'am who always does a no biased review didn't mention this important point for the public.. just because its negative.🤦♀️
Exactly. It’s a consumer durable loan. And she chose NOT TO DISCLOSE THIS IMPORTANT INFORMATION.
Yes you are right, unfortunately I also have applied for it and was not aware abou it, will use it in rare condition.
@@kuldeepsaxena1105 if u will not use then no effect will be on ur credit card or not?
Don't think that you are the best.....know that you are the Best..... Love the simple way you explain the things...
Great card, Great concept and nice innovation….
Only disappointment is, it’s link with RBL bank (customer service is terrible ) and non availability for iPhone users….
I think that your notion that uni users will need to deal with RBL customer care is totally incorrect. For any financial company to start business it needs to be linked by a bank but the customer support is managed by the issuing company eg RBL v card all the queries are answered by vcard support not RBL, Fi money all the queries are handled by them if you call federal bank they will just provide Fi customer care number
@@sandipnandi16 I wish you are correct, many people applied coz I have applied for this one.
But the terms and conditions in PDF documents say so which is there on the website.
Good information & nice video👌
Thanks again Rachna madam for bringing this video about this new credit card concept. You really explained well how the card is different from other credit cards in the market. This product looks to be promising and I am tempted to apply for it. Few questions still in my mind.
1. Does it allow to pay in more than 3 instalments?
2. How does one select if he wants to pay 1/3 rd or in full?
3. How does Unipay make money as it does not charges any interest or joining or annual fees. Is there any hidden catch?
This uni card is nothing but a type of personal loan. There is a a video on TH-cam about the risk of this type of card. Go and check that out.
starting is very impressed 😁😁
Dose having a UNI card affect your existing CIBIL score negatively? Thanks for the informative video 🙏🏻
Ye log paisa paa ke kisi ko mis guide kr sakte h, ad pe na jao bhaiyo..terms and condition phle check kiya karo..jise ye log hide krke rakhte h
@@b228d0 Bro you are wrong. Each one third will not show as individual unsecured loan. The card will only show up as one single unsecured credit card. Every month’s bill amount will show up as the outstanding amount on the card for that month. If you pay the dues before the billing date, then it will show as 0 outstanding amount in credit report. I have a CIBIL membership and I am monitoring these things regularly
Ek Number Rachna madam. Video masta banvala aahe:)
This video was very informative. Thanks!
However, I have a query...
Payments made using the 'Swipe' 1/3rd card (similar to UNI card) is labeled as unsecured personal loan, which appears to be harmful to the credit history of the user. Does the UNI card work in the same manner?
I checked few blocks and watched videos here but I don't see a straight answer to this question from anyone. I think it will reflect as unsecured loan on entire approved amount even though it's not utilized.
Then what does credit card usage look like?
@@RoshanLights4u true
Wonderfully explained madam
If the company is following such a technique, what's their revenue model?
Yes same question, if restaurant bill is Rs 6000 and i pay only rs 2000 this month and then remaining 4000 will be paid by me after 1 month with 0% interest! So where is their profit?
It's all about data now. They will be siting on a data mine soon.
Every new company will start with discounting they will reduce it after few years.
One of the best card👍🏿👍🏿👍🏿loved it
Best part was....meme song was also sung by ma'am....Rachna ma'am cha naad nahi karaicha !
your presentation is really nice.....can you bit focus and let me know in detail....like how many such credit line cards, account one can open or avail...like lazypay, slice, uni etc...can one individual get all of these and how really will it affect ones credit score.....???
No stock in news today too???
Tomorrow.
😂😂
What happens when the card is swiped in the 2nd & 3rd month? That angle has not been explained. Could you clarify on that?
I think it has now become common to have no joining fees/annual charges for most of the credit cards
Thing to consider, its 0% Joining & Annual fee but it's not a Lifetime Free Card.
But how the company will earn . Coz there is no charges & such thing ??
Iam writing this after working in uni for 6 months, they remove me from the organisation only for silly reason, uni won't provide proper service to their customer, and my managers use to presurise us to get feedback survey which is purely depend upon customer based on their satisfactory and it was customer right, only bcoz of getting less feedback score eventhough i was handling escalations in email team which is highly impossible to get good feedback where my company provide chep services to their customer. By trusting this job i took loans and they did this pathetic termination, where quality monitory people and no one else don't even know the product and process still they are segregating things and app is in beta version, they could have hired machine or robort if they are expecting zero errors eventhough it was not my error, the reason is they put me in pip only for not having good feedback from customer, for soft closing few tickets only to not loose my job became my biggest mistake as per them and they did pathetic termination, danish being opration manager treating employee as like garbage, since it is management mistake as there was no proper traning and no hr induction its is against company policy, all the policies are applied only for employees not for the employer, i need justice, i need either job or compensation for this pathetic termination.
Worst management who doesn't have value for their employees and customers, they are in market just to make fools and make money in the name of pay 1/3rd. Talent doesn't matter here bucketing matters allot to the manager Danish
Don't even take uni card and work in this company, apart from making fools to their employee and customers, they are doing nothing, I my self feeling ashame of being part of such worst organisation who's manager mr. Danish don't even value their employees he treat us like garbage, be careful from uni they are just making false promises, anybody a common person can easily understand for everything they will just convience and they do nothing, they do have thousands of problem in their uni cards and app and they are expecting 100% positive feedback from customer which is highly impossible bcoz customers are not fools to give good feedback blindly where there refund issues or any other issues take more than 30days a mad or dum person also not give feedback, which is not at all my mistake still they put me in pip and not even gave chance directly removed me from the organisation, if this is the behaviour for their own employee then how about common person who trust uni and use their card so that company gets revenue and for the same customers they may have medical emergency still don't at all refund customers own hard earn money. And simply they just says with in 6 month they will increase limit but trust me it depends on ur cibil they don't even help you, they tell lie only to get more numbers of customers to get their business they don't value customers as how they did for me.
@cards_uni Becareful people before taking unicards being uni employee iam suffering allot, unethically they terminated without paying my salary by trusting uni i took loans and it's due's, fruad company who play with emotions by name of 1/3rd, Danish mgr don't hve time to talk.
Epic starting 😂😂😂😂
You didn't covered the repayment options....how we should do the card payments ...?
Mam your always different and unique in your course. It’s makes ppl happy to learn with fun
Agadi
Okay
please make video on LIC policy holders what to do,surrender or convert to paid up policy,plenty people struck with LIC including me
Is this a paid promotion? I see referral and influencer benefits for you. I just hope you share these information upfront so that we make good decision.
Its mentioned as paid promotion
You can easily understand its a paid promotion. Content creation is a hard job and youtube doesnt pay much.
@@dsridhar6485it has been marked now. :)
@@deepak3303 agreed, but creators should mark the same so that people are not mislead.
@@AbhishekJain1992 whats misleading here? We are all adults to make sound financial decisions.
Maam i have a question that soppose i got a bill of 3000 for this month and i opt for 1 3rd payment for the bill so i have to pay only 1000 this month and rest on other but if on second month i have an bill of 6000 and i opt for 1 3rd agai so now in this month i have to pay 1000 for previous one and 2000 of thi month and this goes on....
Something suspecious 🤔🤔🤔🤔🤔🤔🤔
One of the best fun Intro Rachana mam🤣🤣
I thank you for the information you have given us about this card
Ma'am just teach EISSM this way 😂😂
Excellent presentation 👍.. thanks Madam
Thanks, Rachna you're doing an amazing job.
At times I just watch ur video for tat amazing start...and rest video at my leisure time
Thankyou so for providing Good information
Thank you for the Video. Is paying the bill in 3 parts anyway affect CIBIL SCORE????
Mam you should have told about this is not a credit card....this uses our credit line and is issuing us NBFC loan....kind of like consumer durable loan
Hahaha, thanks for making me smile. Awesome... The starting part...
thank you mam...tumchya sobat kam karnyachi sandhi dilya baddal mi khup khup abhari aahe .
Thanks for the comment
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I'm using slice and I feel it's much better, than what uni is offering.
Underrated card slice
Knowledge d...wine it gives super kick thanq sis
प्रत्येक व्हिडिओ ची सुरुवात भारीच 😁😅😅
Very nicely explained
Amazing how you keep us updated and educated!
BTW, एकच टोप घासावा लागला ते बरं झालं! 😀
Intro is fantastic Mam...
Tnx for making such a useful information in simple manner praise to your effort for example like washing bartan in hotel kichen😂😂😂
Nicely explained mam great !!!
Loved it!!! Very informative...
How to close as well as block this card (is there any chargers for block and close this card)if we are facing some issue can you reply on it if you have any idea .
Hi Racahana...your first part let me feel u should act in film too 😂😂😂..keep it up .
Slice card i am using it more or less similar to Uni Card. Only 1 main prob is credit period to pay it is of only 5 days and in normal credit card min 15 days to pay the bill. Cashback will be received if you pay the complete bill if you make it in EMI then cashback we will lose. Cashback which they are giving will not remain permanent once the market is set then cashback will be removed and multiple conditions they will implement.
But you forget to mention its a credit line card which add CDL in your CIBL
superbly discribed as usual..👌every time i watch ur video ..there is somthing to learn..👍👏👏thnx
1% cashback when applicable, exactly payment at the end calender month or 30 days from the purchasing date.??? Please explain.
Ek number, introduction
Can we use this card outside india alternatively can we do online purchase where prices are mentioned in USD?