Update- RBI extends deadline for implementing few guidelines for credit card issuers. New Deadline- Oct 1, 2022 (Not for all guidelines, date extended for only few guidelines). TechnoFino Community (India's #1 Community Of Banking & Credit Card Experts)- technofino.in/community (Join Now & Start Discussing) Website - technofino.in Follow Me On Twitter - twitter.com/technofino Facebook - facebook.com/TechnoFino/ Instagram - instagram.com/TechnoFino/ Telegram Group - t.me/joinchat/VWsyApYc0XyTJGTQ Our Facebook Group " Technofino - To Help, Get Help " for helping each other. Link- facebook.com/groups/TechnoFino/
saving account roi- 2.5 % fd account roi - 5% credit card roi- 60 to 100 % in a year banks r looting 10 to 20 times of money from indian peoples Rbi must take legal action roi should not be more than 20% a year
Better late than never. Very much needed rules & regulations by the Government/RBI for the ever so notorious employees/staffs of Credit cards across all banks of India.
Excellent bro.... Very informative Video ... आपकी बात बहुत ही अच्छी है की आप to the point ही बात करते हैं, ये बात सिर्फ़ मुझे ही नहीं बल्कि अधिकांश लोगों को अच्छी लगी होगी...
I myself suffered from #10 point, I made a transaction of 15k which later got reversed in the credit card. The outstanding bill was showing INR 0 but they handed me 850 rupees penalty saying that refund doesn't count as card payment. Great that these cheaters won't loot anybody with this one.
amazing rules & regulation done by rbi i hope from 1st july it get implemented cause i have read bank have asked for 6 month extension just like they asked for tokenization
No.9 Actually har bank ko by default 1st of month ko bill generation date rakhna chaiye kyuki 1-7 tak Salary week mana jata hai. Iska baad agar kisi apni pasand ka date rakhna hai to wo rakh sakta hai. mere khyal se 80% log 1st ko hi apna pehla choice rakhenge.
First, all you did to do as a beginner to make good profit from Bitcoin, is a professional trader who will trade on your behalf, else you may make losses Mark Williams taught me how to utilize the volatility of crypto world, I make gain from trading despite the price chart
Thank you so much for this informative video. I just missed my HDFC bill payment on 1st July due to a busy schedule. I paid on the 2nd. Good rules by RBI. Now I will not be charged any Late Payment fee.
Sir mere account hain utkarsh bank me or ham pe ek frod transfer ka ek ripot kar diya h or o fansfar @30 ka hain or mere account ko hold kar diya h or o jo farnfar hai mere friend ka hi hai or bank kuchh reply nhi kar Raha hai kya kare sir mere bank me 30000 rupees pare huye h or 1 month se jyada ho gaya sir, 🥺🥺🥺 or bank kuchh reply nhi kar rahe hai barnch me,
Sir maan lijiye mera credit card ka limit hai 30k lekin agar mei usme 20k extra agar pay kar deta hu to jab mai online shopping karu to usme kiya 30k+20k dono ek sat use kar sakta hu total 50k ya phir jitna limit tha card ka utna hi use kar sakta hu
Axis bank credit card bill generate hota hai 15th of every month but I get the bill my email on 19th-20. Hdfc and icici is better on this I get bill next day of bill generation
Mera sbi ka credit card hai , 21 June ko mera bill generate hua tha 32000/- our muze 11 July Tak bill bharna tha, bt 22 june ko mere credit card me ajio ne money return kiye , to actually muze 10000/- hi Bill bharna tha bt sbi valo ne bola ki aapko 32000/- pura bill bharna hoga nhi to due + 18% GST + hidden charges + 3.5% tax lagega fir mai ghabraya our 32000/- bill bhar diya. Ab inki complaint kaha karu?
hello I didnt activate card, by paying joining fess and I didn't purchase or use amount of flipkart axis bank crdt card ...but ireceved amount due messages and it add 300/-month till show 900 due amount but didn't single trnscrion
sir shoping par direct amazon par hdfc cc par 10% offer h to kya ye offer hdfc smarbuy k through bhi mil jayga . total offer amazon 10% +smart buy 5%cb + 5% rp. kon sa option se shoping karna sahi rhega..plz update.
Mera axis bank ka credit card h Or mne janveri month me active kiya h agar m ek sal tk koi bhi us pr loan nhi leta hu or usko use nhi krta hu to kya muje annual fee ya joining fee deni hogi or agr card ek sal bad use na krne ki vjh se mera card band ho jata h to muje age bhi annual fee deni hogi
00:47 Sir ye mere saath huwa he Bank ne mereko 30000 ki credit limit bol ke credit form apply karwaya SBI ne Fir mere ghar pe 10000 ki limit ka Card received huwa he Ab me usko use nhi karunga to uska charge lagenga ki nhi ? Mene abhi OTP verification nhi kiya 🚫❌
Sir, please is topic ko apne source ko through clear kijiye. case: agar main Flipkart Pay Later ka payment baahar se kiya means loan account no (LAN) ke thorough IDFC bank ke application ya kisi 3rd party payment application ke thorough kiya to kya hoga? Kyuki mujhe to loan IDFC walon me diya hai chahe main FK ke through payment karun ya direct bank ko karun baat to same hai. Is par koi baat clear karien. Kyuki kai logon ka paylater account ko KYC issue bolkar account hold kiya jaa raha hai jiske wajah se wo paylater ka payment nahin kar paate aur late fine lag jata hai, aur isi ke dar se wo LAN ke thorough hi payment kar dete hein. Jab bank se baat ki jati hai wo bolte hein aapka payment adjust ho gya hai aapke account pe aur koi due nahin bacha hai same LAN pe, but aap FK se baat karne ko kehte hein aur ye kehte hein ki "aap FK team ko boliye ki ek baar humse sampark karne agar wo humse sampark karenge to hum unko bol denge ki xyz ka amount receive ho gya aur is account pe koi outstanding due nahin hai." but dukh ki baat ye hai ki jab FK walon se sampark karo to wo Tarik pe tarik dete rehte hein... 2din baad backend tem se call jayegi.. one week ho gya inka backend team ko mera pta pta nahin mil raha. please clarify
I got mail from hdfc bank which mentioned that lifetime free card without maintenances. I recived card this week now they are saying that it having rs. 1000 AMC. If you even close this card still you have to pay. Till now I have not activated my card what should I do? please suggest one one. Thanks
As it is mentioned that if from 1 year you are not using the card then you will be given information by bank. Want to know what is the period of year, is it financial year from Apr 2021 to Mar 2022. Or 1 year before 1 July 2022 when these rules come into place?
Reward points earned on property management services including rent, made with your HDFC Bank Regalia Credit Card xx4291 will be capped at 1000 RP/month. Effective from 23/07/2022.
Hlo dada bolchi ja ami SBI credit card banata chai ni but jor kora amai kichu na janiya amaka form fill up koriyacha credit card er Jonno tarpor bari te card ta esachilo ami refused kora diyachi tarpor kichu mash por 350 taka kata nai then ami onek bar SBI bank e giya bolachi mail korachi tao card bondho korani akhon 1 bochor hoya gacha r even amr kacha card ta o nai tahole kibhabe bondho korbo card ta akhon please help koro taka keta neba abr jni na please help koro
Sir actually icici bank charges me around 15500 for non payment of rs 700 and interest charged on total amount please help me sir how to complain about that
Sir mera ek question hai- koi bank ka credit card ka limit agar man li jiye 30000/- Diya hai or main Flipkart ya Amazon se emi mein kuch Lena chahta hu or uska price hai credit limit se zyada.........to fir us time kya hoga?
I am your subscriber and your channel honest viewer. How to operate hdfc credit through hdfc app or net banking please make an video for new hdfc creditcard users
1) Bhai Mera Ek Axis Bank Ka Privilege Credit Card Tha Usko Mainey Nov '2020 Mein Closed Kardiya Tha Usmein CRED Aap Se Rs.500 Credit Hue Hain Mainey Bank Se Kayi Baar Try Karliya Isko Lene Ke Liye But Axis Bank Aaj Tak Mujhe Ye Cashback Nahi Di Hai Kya ye Mujhe ye abhi Milsakta Hai Easily July Ke Month Mein? 2) Bhai Mera HDFC Bank ka credit card hai uska Bill generation date mein change karna chahta hoon but bank kuch terms & condition bata rahi hai jaise ki Aapke Card Ka limit 1Lakh+ Hona Chahiye aur aap is card se 3Lakhs+ ka Transaction karke rehna chaiye toh kya mein is July Month mein Is Bill Generation date ko change karwa sakta hoon kya?🙏
Sir 2 din pehle mera Paytm Sbi Credit card deliver hua....maine activate ki kar liye....par abhi tak koi transaction nehi ki... Mei us card ko SBI lifetime free card me transfer karna chata hu... Toh kya mera paytm sbi card ka 499rs annual charge dena parega??
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Update- RBI extends deadline for implementing few guidelines for credit card issuers.
New Deadline- Oct 1, 2022 (Not for all guidelines, date extended for only few guidelines).
TechnoFino Community (India's #1 Community Of Banking & Credit Card Experts)- technofino.in/community (Join Now & Start Discussing)
Website - technofino.in
Follow Me On Twitter - twitter.com/technofino
Facebook - facebook.com/TechnoFino/
Instagram - instagram.com/TechnoFino/
Telegram Group - t.me/joinchat/VWsyApYc0XyTJGTQ
Our Facebook Group " Technofino - To Help, Get Help " for helping each other.
Link- facebook.com/groups/TechnoFino/
saving account roi- 2.5 %
fd account roi - 5%
credit card roi- 60 to 100 % in a year
banks r looting 10 to 20 times of money from indian peoples Rbi must take legal action roi should not be more than 20% a year
बहुत अच्छे से आप आरबीआई के नियमो को समझाए सभी व्यूअर को समझने मैं कोई परेशानी नही हुआ होगा।
Better late than never. Very much needed rules & regulations by the Government/RBI for the ever so notorious employees/staffs of Credit cards across all banks of India.
Excellent bro....
Very informative Video ...
आपकी बात बहुत ही अच्छी है की आप to the point ही बात करते हैं, ये बात सिर्फ़ मुझे ही नहीं बल्कि अधिकांश लोगों को अच्छी लगी होगी...
#14 is the most consumer friendly rule that has been imposed by RBI, I think that should be the #1 in terms of importance! good job RBI
Very important rules. Thank you RBI for caring users rights and thanks to TechnoFino for bringing this video to me ...
Less reward points and offers going forward. Banks will make up for their loss😔
I myself suffered from #10 point, I made a transaction of 15k which later got reversed in the credit card. The outstanding bill was showing INR 0 but they handed me 850 rupees penalty saying that refund doesn't count as card payment.
Great that these cheaters won't loot anybody with this one.
amazing rules & regulation done by rbi i hope from 1st july it get implemented cause i have read bank have asked for 6 month extension just like they asked for tokenization
Extended to 1st October 😊
@@sabyasachihasan but tokenization has not extended only 3 rules
No.9 Actually har bank ko by default 1st of month ko bill generation date rakhna chaiye kyuki 1-7 tak Salary week mana jata hai. Iska baad agar kisi apni pasand ka date rakhna hai to wo rakh sakta hai. mere khyal se 80% log 1st ko hi apna pehla choice rakhenge.
Wish RBI had such friendly rules for Crypto !
First, all you did to do as a beginner to make good profit from Bitcoin, is a professional trader who will trade on your behalf, else you may make losses
Mark Williams taught me how to utilize the volatility of crypto world, I make gain from trading despite the price chart
私は非常に満足している👉➕𝟭𝟲𝟭𝟱5𝟵𝟮𝟱𝟳𝟳𝟯👈私は非常に満足している.....,.....
Whats~app👆
Crypto isn't part of RBI...
RBI is hands down the best institution.
Government doing excellent job 👏 only few ppl appreciate what our government doing for us.. Best ever is Digital India
In Crypto space it's doing the opposite
@@RoshanDixit coz crypto has no mai-baap means decentralised, agar ek baar kuch uch nich hua poora economy dhadaam.
Dada you have memorised the points very well just like giving lectures
Hahaha... Memorised Nhi bhai video editing hy
If government set like this guidelines for NBFC and BNPL it would be great.
sir mene credit card ka pin generate nehi kiya to kiya mera card active ho gaya???lekin bank balo nai joining ka bill bhej diya.....
Thank you so much for this informative video. I just missed my HDFC bill payment on 1st July due to a busy schedule. I paid on the 2nd. Good rules by RBI. Now I will not be charged any Late Payment fee.
Hlo sir pos machine kr bare mai bhi video banaye or charges bhi batlaye
Sar uco bank credit card ke liye verification call do bar aaya tha maine Mana Kiya ki card not cahiy to band kar dega please help me
This might result in lesser offers and poor reward points on credit cards going forward!!
Bill genrate hone ke baad refund wala rule hi sbse jada kaam ka h.
accha ye rules SBM bank ke fd cards par bhi lagu hai na. like Paisabaazar Stepup Credit Card, One Card FD etc?
Number 4 is horrible 😱😱 thank you so much sir.
Seedhi Baat No Bakhwas😁
👍👍👍
Are these rules applicable for credit line cards (slice, uni etc) also?
এই নিয়মগুলো কি ক্রেডিট লাইন কার্ড (slice, uni etc) এর ক্ষেত্রেও প্রযোজ্য?
No 4 rule...will it be applied for bpnl cards?
Thank you for the video.
I think these guidelines are favourable towards end users.
Thanx bro….helps alot…keep doing this great job
RBI ke banking numbers kaunse hai? Koi link ho to please share karo.
Superb information, waiting for these guidelines 👍
sir offline purchase pe sab se jayada cashback kon se credit card pe milega?????
Axis Bank statement late
After 4 to 5 day late send bill on email.
Agar ye sab proof ke saath bolte to aaur v achha hota.BDY thank u
Sir mere account hain utkarsh bank me or ham pe ek frod transfer ka ek ripot kar diya h or o fansfar @30 ka hain or mere account ko hold kar diya h or o jo farnfar hai mere friend ka hi hai or bank kuchh reply nhi kar Raha hai kya kare sir mere bank me 30000 rupees pare huye h or 1 month se jyada ho gaya sir, 🥺🥺🥺 or bank kuchh reply nhi kar rahe hai barnch me,
Sir maan lijiye mera credit card ka limit hai 30k lekin agar mei usme 20k extra agar pay kar deta hu to jab mai online shopping karu to usme kiya 30k+20k dono ek sat use kar sakta hu total 50k ya phir jitna limit tha card ka utna hi use kar sakta hu
Jitna limit diya hai utna hi i.e., 30k
Does this apply to BNPL service providers as well?
No
BNPL is not credit limit it is a credit line
Konsi bank savings account k sath turant credit card deti he ??
Hdfc doesn't report card details at all
Axis bank credit card bill generate hota hai 15th of every month but I get the bill my email on 19th-20. Hdfc and icici is better on this I get bill next day of bill generation
How to get noc or ndc after closing credit card what is the process of getting noc or ndc
Can you please make review of Bajaj Finserv Insta EMI Card & Bajaj Finserv Health EMI Card 🙏
Very useful information. Thanks for the upload.
Mera sbi ka credit card hai , 21 June ko mera bill generate hua tha 32000/- our muze 11 July Tak bill bharna tha, bt 22 june ko mere credit card me ajio ne money return kiye , to actually muze 10000/- hi Bill bharna tha bt sbi valo ne bola ki aapko 32000/- pura bill bharna hoga nhi to due + 18% GST + hidden charges + 3.5% tax lagega fir mai ghabraya our 32000/- bill bhar diya. Ab inki complaint kaha karu?
can I replace my visa card with Rupay card?
Sir maine credit card active bhi nahi kiya hai fir bhi mujh per charge chal raha hai. Pls bataiye me kya karu
What about gst reversal, hdfc doesn't reverse gst on charge reversal
Many Thanks!!
Chor banks ke baza do sahi hai
Sir g mere friend ne 3months ka bill pay nahi kiya hai. To bank wale kuj kar sakhte hai gg
Are all these guidelines apply for all existing credit card customers or just new customers who will be applying for credit cards after Oct 1, 2022?
For all and guidelines implementation date- 1st July, 2022.
RBI extended deadline for only 3 rules from July 1 to Oct 1, 2022
@@TechnoFino hai, what are those rules?
Hello Sir,
Good info in all videos.
Could you please add time stamps in future video ?
Noted
hello I didnt activate card, by paying joining fess and I didn't purchase or use amount of flipkart axis bank crdt card ...but ireceved amount due messages and it add 300/-month till show 900 due amount but didn't single trnscrion
Broh no11 request pe koi penalty hai kyaa??
Sir g bank wale Bol rahe hai police fir kr daige.this is possible or not
sir shoping par direct amazon par hdfc cc par 10% offer h to kya ye offer hdfc smarbuy k through bhi mil jayga . total offer amazon 10% +smart buy 5%cb + 5% rp.
kon sa option se shoping karna sahi rhega..plz update.
Sir, mera card kaal ayega. Par mujhe nahi chahiye. Kya karu pls reply
Mera axis bank ka credit card h Or mne janveri month me active kiya h agar m ek sal tk koi bhi us pr loan nhi leta hu or usko use nhi krta hu to kya muje annual fee ya joining fee deni hogi or agr card ek sal bad use na krne ki vjh se mera card band ho jata h to muje age bhi annual fee deni hogi
What about asking customet to put fixed deposit for crefit card ? I have seen this in India only .
Nice and helpful video. Keep it up
00:47 Sir ye mere saath huwa he Bank ne mereko 30000 ki credit limit bol ke credit form apply karwaya SBI ne
Fir mere ghar pe 10000 ki limit ka Card received huwa he
Ab me usko use nhi karunga to uska charge lagenga ki nhi ? Mene abhi OTP verification nhi kiya 🚫❌
Card active nahi keya too charges nahi lagega
Hi,
Please make a detailed video on AU Bank LIT Credit card.
Ye close ka to bahot panga hota hai yaar, mujhe humesha banking ombudsmen main dalna padta hai card close karne ke liye.
Interest Rate Ko Lekar Kuch Hona Chahiye
Please make video on billing cycle as i am searching best billing cycle but couldn’t find in TH-cam.
Noted ✅️
4:40 is great idea
Sar Raat mein Soya tha aur meri credit card se Paisa cut Gaya hai
Bina kisi OTP aur per card number ke
mere papa ka card close karne ka request 1 year se upar ho gya,ab tak b close hua ya nhi kese check kre?
superb 👌👏👏👏its like RBI read user mind
Even though I have made credit card payment but still they are deducted amt from account
Bohot zaruri tha mai kaam krta hu credit card department mai hamesha helpless feel. Krta tha customers k liye bt today m feeling good
Sir, please is topic ko apne source ko through clear kijiye.
case: agar main Flipkart Pay Later ka payment baahar se kiya means loan account no (LAN) ke thorough IDFC bank ke application ya kisi 3rd party payment application ke thorough kiya to kya hoga? Kyuki mujhe to loan IDFC walon me diya hai chahe main FK ke through payment karun ya direct bank ko karun baat to same hai. Is par koi baat clear karien. Kyuki kai logon ka paylater account ko KYC issue bolkar account hold kiya jaa raha hai jiske wajah se wo paylater ka payment nahin kar paate aur late fine lag jata hai, aur isi ke dar se wo LAN ke thorough hi payment kar dete hein. Jab bank se baat ki jati hai wo bolte hein aapka payment adjust ho gya hai aapke account pe aur koi due nahin bacha hai same LAN pe, but aap FK se baat karne ko kehte hein aur ye kehte hein ki "aap FK team ko boliye ki ek baar humse sampark karne agar wo humse sampark karenge to hum unko bol denge ki xyz ka amount receive ho gya aur is account pe koi outstanding due nahin hai."
but dukh ki baat ye hai ki jab FK walon se sampark karo to wo Tarik pe tarik dete rehte hein... 2din baad backend tem se call jayegi.. one week ho gya inka backend team ko mera pta pta nahin mil raha.
please clarify
No 10. Agar bill generate hone k baad or bil payment hone k bad refund ata to keya hoga?
I got mail from hdfc bank which mentioned that lifetime free card without maintenances. I recived card this week now they are saying that it having rs. 1000 AMC. If you even close this card still you have to pay.
Till now I have not activated my card what should I do? please suggest one one. Thanks
Email them with mail attachment and the details they will surely make your card free if the have promised.
Reword point facilities bnd ki hai kay....
Chennai wala kaunsa bank hai?
As it is mentioned that if from 1 year you are not using the card then you will be given information by bank.
Want to know what is the period of year, is it financial year from Apr 2021 to Mar 2022. Or 1 year before 1 July 2022 when these rules come into place?
Reward points earned on property management services including rent, made with your HDFC Bank Regalia Credit Card xx4291 will be capped at 1000 RP/month.
Effective from 23/07/2022.
Hlo dada bolchi ja ami SBI credit card banata chai ni but jor kora amai kichu na janiya amaka form fill up koriyacha credit card er Jonno tarpor bari te card ta esachilo ami refused kora diyachi tarpor kichu mash por 350 taka kata nai then ami onek bar SBI bank e giya bolachi mail korachi tao card bondho korani akhon 1 bochor hoya gacha r even amr kacha card ta o nai tahole kibhabe bondho korbo card ta akhon please help koro taka keta neba abr jni na please help koro
LAW LABOUR AMMENDMENT K BAARE MEI PLEASE KUCH BATAYEE 🙏🙏🙏🙏
Thanks 😊 very important information 👍
Sir actually icici bank charges me around 15500 for non payment of rs 700 and interest charged on total amount please help me sir how to complain about that
Sir mera ek question hai- koi bank ka credit card ka limit agar man li jiye 30000/- Diya hai or main Flipkart ya Amazon se emi mein kuch Lena chahta hu or uska price hai credit limit se zyada.........to fir us time kya hoga?
Buy nahi honga... Aur na lena chahiye kyonki.. Aapka cibil kharab hota hai....
Banks should pay penalties to customer for the transactions failures , then only these banks will improve infrastructure
FD card bhi 7 din meh close hoga? Cibil meh abhi bhi active hai, last year close kia tha
Awesome guidelines
I am your subscriber and your channel honest viewer. How to operate hdfc credit through hdfc app or net banking please make an video for new hdfc creditcard users
Really amazing rules,
Great
Great Video, Thanks Buddy
1) Bhai Mera Ek Axis Bank Ka Privilege Credit Card Tha Usko Mainey Nov '2020 Mein Closed Kardiya Tha Usmein CRED Aap Se Rs.500 Credit Hue Hain Mainey Bank Se Kayi Baar Try Karliya Isko Lene Ke Liye But Axis Bank Aaj Tak Mujhe Ye Cashback Nahi Di Hai Kya ye Mujhe ye abhi Milsakta Hai Easily July Ke Month Mein?
2) Bhai Mera HDFC Bank ka credit card hai uska Bill generation date mein change karna chahta hoon but bank kuch terms & condition bata rahi hai jaise ki Aapke Card Ka limit 1Lakh+ Hona Chahiye aur aap is card se 3Lakhs+ ka Transaction karke rehna chaiye toh kya mein is July Month mein Is Bill Generation date ko change karwa sakta hoon kya?🙏
Yes
Thanks for this information....bro.
Aur Jo bank sare criteria fulfill krne k bad bhi agr credit card application declined kar deta hai. Us bank pr fine hona chahiye.
We can pay any bill will credit card scan and upi payment like this
Chennai office wala tou citibank hi hai
Vai Mera icici bank card 6 years use karne kaa bad limit Joo thaa ( Kam) kor diya kis liye huaa eisaa
Bhaiya mujhe papa ka sbi credit card band krwana hai, plz btao k kaise bnd karwae
Customer care mai call karke
Indusind Heritage unboxing chahiye
Is their any layoff from company sir?
really bro u r superb🖤
Awesome rules👍👍👍
Hdfc bolta hai chennai me form bhejne ko
Sir 2 din pehle mera Paytm Sbi Credit card deliver hua....maine activate ki kar liye....par abhi tak koi transaction nehi ki...
Mei us card ko SBI lifetime free card me transfer karna chata hu...
Toh kya mera paytm sbi card ka 499rs annual charge dena parega??
Awesome video. Thanks