I am using two credit cards for the past 17 years. Almost all the purchases and online transactions, I use them. 1 to 15 one card, and 15 to 30 another card. I plan my new purchases to get maximum 45 days.
அருமையான விளக்கம் என்னிடம் இல்லை ஆனால் சில செய்திகள் தாங்கள் சொல்வது போல எனக்கு நானே உணர்ந்து உள்ளேன் நமக்கு நிரந்தரமாக வருமானம் இருக்கனும் அவசரத் தேவைக்கு மட்டும் பயன் படுத்தனும் பிசினஸ் பர்சேஸ் க்கு அவசரத் தேவைக்கு உபயோகிக்க நல்லது காலத்திற்குள் திருப்பி செலுத்தி விட வேண்டும் இப்படி இருந்தால் மிகவும் நல்லது இது மாதிரி சிந்திப்பேன் இப்போது தாங்கள் கூறியதில் மிக மிகப் பயனுள்ள தகவல்கள் நன்றி வணக்கம் ஜெய் பவானி
2014 ம் ஆண்டு முதல் மொத்தம் 3 கிரிடிட் கார்டுகளை பயன்படுத்தி வருகிறேன். இன்று வரை சரியான நேரத்தில் எவ்வளவு சிரமம் இருந்தாலும் பணத்தை திருப்பி செலுத்தி வருகிறேன்.
கிரெடிட் கார்டின் Real interest percentage 42%per annum (ஒரு வருடத்திற்கு) இது மிக மிக அதிகம் (3.5x12months=42%). பேங்க் நகை கடன்களை விட ஐந்து மடங்கு அதிகம் average interest rate 7% to 9% per annum (ஒரு வருடத்திற்கு)
Credit card is best if we use it correctly. As per Visa and MasterCard data, 85% of the card users are paying interest because they overspent. 13% of the card users are not benefiting nor losing money. i.e. they will have credit card but they don't use it frequently 2% of the card users only are benefitting because they have financial discipline.
@@loganathanarthanari1172 Just spend within your means. And use credit card instead of paying with cash, debit card or any other form of digital payment. And pay the bill in full before the due date.
@@loganathanarthanari1172 First remember your limits. If your income is Rs100000/- per month credit card companies will give you more than Rs 100000/ - per month limit. Actually, they are betting on you that you will spend more than Rs 100000/- per month. You must spend less than Rs 100000/- per month. Then you will be safe.
I will opt 0% interest to get benefit from Amazon site and i will pay the amount completely in that billing cycle itself . So the interest amount provided from Amazon is added benefit to me.
I have been using credit cards for more than 5 years. We need a good awareness of credit cards. I second your words, credit cards are meant to be used wisely and it will help you to earn cash backs, rewards and etc. But please ensure your card provider won't impose annual fee on the card. There are many free cards with more benefits.
Yas your right that knife is not a common man that knife is on very dangerous person bankers. If you 1 day missed amount pay on time you feel what you mistake u did on you life. Please don't buy criditcard card. It is my own experiences. That banking system not for a common man. Please don't buy credit cards. Please don't buy credit cards. Please don't buy creadit cards.
நுகர்வோர் பொருட்கள் சார்ந்த மின்னனு சாதனங்கள் கிரிடிட் கார்டு மூலம் வாங்கும் போது உடனடி தள்ளுபடி மற்றும் 90 நாட்களுக்கு பிறகு கேஷ் பேக் வரவு வைக்கப்படுகிறது
S I have 6credit card it is very useful to me . And still now I earned reward point value 20k nearly this amnt used for credit card bill payment and other uses also
i m too using two years, be care full buy free credit card , no annual charges pay it for mandatory expenditure paying petrol , book bus tickets , shopping limit 1K , emergency hospital charges make mindset ! i wont take money other things , superf product , its increases changes of loan approval
As someone who studied finance , I would say that credit card is disastrous tool for common working professional. Credit cards encourages the spending nature in us. If we calculate how many people will properly utilise credit card it will definitely be less than 5 perfect. You have said easily that all we need is financial discipline. I would say that most important and difficult task is to disciplined in Finance everytime.
My comment for people afraid of credit card: use your credit card to get rewards ,cash back , free fuel . U can buy and use many cards as per your need. Onething user have to remind is your all credit card outstanding should not cross the monthly take home. If it's crossed mothly take home then you will be fallen to intrest and gst for the intrest . Don't pay minimum due . Even no cost emi calculate total emi tenureif 3 month tenure u have to pay gst 3 time ensure all the cost should not cross's the product original value if it's crossing don't buy
I'm a business man.. I purchased my products in my credit card and i pay it back before my payment date... So I can earn some amount by using credit card
@@gladwinsamuel8709 please don't give generalised statement based on your spending history or ur acquaintance's spending history. There are people who do use credit cards very deligently and reap the benifits. Please do share the link of research paper for your "psychology says" statement. So that we know it's a genuine reasearch work and not some random bluffing statements.🙂
@@ij4451 very well said.. i m one of those disciplined users and i use my credit card for almost all my spending while maintaining a healthy bank balance in my savings account..i pay my credit card dues right after receiving my salary...the big joke or coincidence is.. when I am in the middle of typing this comment.. i received a call from my bank for emi conversion for a high value purchase i made just two days ago...😂😂😂😂
And the Important thing! While we making Timely Payments Our Credit Score will Improve. We will use that score for Home Loan, Personal Loan Quick Approvals.
Nengo eppadi sonalum. Need and want. We Indian so nengo solarudu enga set agadu. Anand sreenivasan sir words than namba people ku set agum. Out of 100% nengo solaradu 2% dan tagum.
10k salary vanguravanuku....HDFC credit card kudukuraa 20k limit ku antha bill ah crt ahh pay pana with bill date ..next limit increase pandranga....so most of the people's using credit card is middle class salary people's means peoples who are trying to grow up financially...financial company made the salaried peoples to buy richer products trough emi's mostly by adds....RBI is controlled by the banking sector of india....so credit card is TRAP ....financial company must issu credit card for vallied and eligible users only..its 100% TRAP in indian....most of other country s handling this in better way
@@SuperKarthick12345 Let's says a person has emergency during a vacation(i.e. no access to cash), or not able to withdraw money from liquid funds/ATM/banks because of holiday/strike/serve failure. At that time credit card will help. Everyone must have emergency fund. But having a credit card is also good. If a person is able to save for emergency fund, then he would be good at finance, so he will use credit card in discipline.
If u r not going to take any loans in u r lifetime then ok else u need credit score and that can be built mostly by credit score. Believe me CC is the best payment provided u must be responsible.
Conveyed points are accepted. But liquid cash selavu pannathan naama pandra selavu worth ah worth illayanu theriyum. We may think before buying a product if we are spending money through cash...
80 % people losing some money by due and some chargers , other 20% people get rewards from that money. Anyway correct using inteligent peoples enjoying low salary peoples money. its not Fair
Hi...Every bank has a variety of cards each serving a particular type of customer based on their spending habit. You can consider SBI CASHBACK CARD for online purchases, AXIS AIRTEL CARD for utility bills, mobile recharge ( Airtel ), ... You analyse your spending habits and get a appropriate card according to it.
Ennaku oru Doubt irukku ippo i have 2 Credit cards.. I have a Different Credit limits for different cards. As u said in the video do not use full credit limit. What Question I have is can I just use one Creditt card and utilize it's full capacity since I have a good Credit limit combined
Because to build credit score. How will others know u will pay EMI for a loan. So the credit score will be checked before taking a loan for house/car/business/personal.
கிரெடிட் கார்டு மிகவும் பயனுள்ளது. பயன்படுத்த தெரியாதவர்கள் தான் தேவையில்லை என சொல்கிறார்கள்.
கடந்த 04 வருடங்களுக்கு மேலாக பயன் படுத்தி வருகிறேன் திட்டமிட்டு பயன் படுத்தினால் பயன் உறுதி
Mm
Super
Correct sir
Yendha card vangalam bro
@@waverunneradventuregfx RUPAY SUPER BRO ! NO YEARLY FEES
You are absolutely right. We are using credit cards for the past 7 years in a disciplined manner with lot of benefits.
I am using two credit cards for the past 17 years. Almost all the purchases and online transactions, I use them. 1 to 15 one card, and 15 to 30 another card. I plan my new purchases to get maximum 45 days.
Share more experience on this card
அருமையான விளக்கம் என்னிடம் இல்லை ஆனால் சில செய்திகள் தாங்கள் சொல்வது போல எனக்கு நானே உணர்ந்து உள்ளேன் நமக்கு நிரந்தரமாக வருமானம் இருக்கனும் அவசரத் தேவைக்கு மட்டும் பயன் படுத்தனும் பிசினஸ் பர்சேஸ் க்கு அவசரத் தேவைக்கு உபயோகிக்க நல்லது காலத்திற்குள் திருப்பி செலுத்தி விட வேண்டும் இப்படி இருந்தால் மிகவும் நல்லது இது மாதிரி சிந்திப்பேன் இப்போது தாங்கள் கூறியதில் மிக மிகப் பயனுள்ள தகவல்கள் நன்றி வணக்கம் ஜெய் பவானி
2014 ம் ஆண்டு முதல் மொத்தம் 3 கிரிடிட் கார்டுகளை பயன்படுத்தி வருகிறேன். இன்று வரை சரியான நேரத்தில் எவ்வளவு சிரமம் இருந்தாலும் பணத்தை திருப்பி செலுத்தி வருகிறேன்.
கிரெடிட் கார்டின் Real interest percentage 42%per annum (ஒரு வருடத்திற்கு) இது மிக மிக அதிகம் (3.5x12months=42%).
பேங்க் நகை கடன்களை விட ஐந்து மடங்கு அதிகம் average interest rate 7% to 9% per annum (ஒரு வருடத்திற்கு)
I use multiple credit cards from 2006.I make my payments in full & on time. I use my cards only for my needs not for greed.
Credit card s a best thing.... When v ve a requirement of a emergency ask 2 lakhs loan from friends or relatives... Oruthanum thara matan
1:51 well said. I follow this policy 🙏🙏🙏
I am already following this methodology past 5 year's really good
தெளிவான விளக்கம்... 🙏🏽🙏🏽🙏🏽🌹
Credit card is best if we use it correctly.
As per Visa and MasterCard data,
85% of the card users are paying interest because they overspent.
13% of the card users are not benefiting nor losing money. i.e. they will have credit card but they don't use it frequently
2% of the card users only are benefitting because they have financial discipline.
Can u xplain how to use it discipline manner
@@loganathanarthanari1172 Just spend within your means.
And use credit card instead of paying with cash, debit card or any other form of digital payment.
And pay the bill in full before the due date.
@@loganathanarthanari1172 First remember your limits. If your income is Rs100000/- per month credit card companies will give you more than Rs 100000/ - per month limit. Actually, they are betting on you that you will spend more than Rs 100000/- per month. You must spend less than Rs 100000/- per month. Then you will be safe.
நானும் பயன்படுத்தி வருகிறேன். ஏதோ ஒரு பெயரைச்சொல்லி வட்டி எடுத்துக் கொள்கிறார்கள்.
அருமையான விளக்கம் நன்றி ஐயா
Since 2013. Credit cards are great tools like mobile. It depends on how u utilise.
I'm using past one year it's very helpful for me.....
This will only help for fancy buying and travel
I will opt 0% interest to get benefit from Amazon site and i will pay the amount completely in that billing cycle itself . So the interest amount provided from Amazon is added benefit to me.
Nice message regarding credit card.
I have been using credit cards for more than 5 years. We need a good awareness of credit cards. I second your words, credit cards are meant to be used wisely and it will help you to earn cash backs, rewards and etc. But please ensure your card provider won't impose annual fee on the card. There are many free cards with more benefits.
Yas your right that knife is not a common man that knife is on very dangerous person bankers. If you 1 day missed amount pay on time you feel what you mistake u did on you life. Please don't buy criditcard card. It is my own experiences. That banking system not for a common man. Please don't buy credit cards.
Please don't buy credit cards.
Please don't buy creadit cards.
If you want cheat a person you should stimulate him desire...
@@sathishkumar4685 Yes bro... Yellarum koottu களவாணி nga.. nammala athigamaa spent panna vachi namma கடனாளி யா aaakki namma நிம்மதிய kedupaanga..
சும்மா decipline அது இது nu nammala ulla iluthupaanga... Aprm Namma thaaan kasta padanum...
Be safe and don't buy ah a credit card guys...
Namma debit card maathiri namma kitta irukkura kaththiye (namma sambaarikkura panaththa vachi nimmathiya iruppom bro..) pothum...
Credit card laam venaam... Avanuga business pandrathukku.. avanuga porula vikkurathukku namma nimmathiya kedupaanga...
நுகர்வோர் பொருட்கள் சார்ந்த மின்னனு சாதனங்கள் கிரிடிட் கார்டு மூலம் வாங்கும் போது உடனடி தள்ளுபடி மற்றும் 90 நாட்களுக்கு பிறகு கேஷ் பேக் வரவு வைக்கப்படுகிறது
Useful content, Thank you sir...
Excellent explanation super sir
S I have 6credit card it is very useful to me . And still now I earned reward point value 20k nearly this amnt used for credit card bill payment and other uses also
Hi,
Which credit card has more offer ?
Hdfc millennia is good my personal
மிகவும் பயனுள்ளதாக இருந்துச்சு சார்
Credit card is of no use those who are not financially disciplined. Card expense amount should be of Max 25-50% of monthly income.
i m too using two years, be care full buy free credit card , no annual charges
pay it for mandatory expenditure paying petrol , book bus tickets , shopping limit 1K , emergency hospital charges
make mindset ! i wont take money other things ,
superf product , its increases changes of loan approval
Super sir Arumaiyana viedeo padhivu Nantri 🙏
As someone who studied finance , I would say that credit card is disastrous tool for common working professional. Credit cards encourages the spending nature in us. If we calculate how many people will properly utilise credit card it will definitely be less than 5 perfect. You have said easily that all we need is financial discipline. I would say that most important and difficult task is to disciplined in Finance everytime.
💯💯💯
Nice example of credit card comparing it to knife.
Mr.Anand Srinivasan learn from him.
For no cost emi, we do pay extra money for GST for EMI interest amount
Yes, but that amount comes to around 1% interest rate, which is way less than inflation of 6-7%
Yes... GST comes in and let's avoid emi conversion
Really it was great helpful topic sir
I have 5 credit cards, last 3 years i brought clothes using my rewards points almost yearly 20000, i more over i earned 10000 every month. Very useful
How?? Is it possible...
Ithellam nambura mathiriya iruku
@@praveenkumarr864 it's possible. For each category of purchase, you will need different cards. So that the reward percentage is high.
@@Prakash0891 it's possible.
@@praveenkumarr864 it's possible praveen
அருமை அருமை சார்
Thank you for your information 🎉🎉🎉
My comment for people afraid of credit card: use your credit card to get rewards ,cash back , free fuel . U can buy and use many cards as per your need. Onething user have to remind is your all credit card outstanding should not cross the monthly take home. If it's crossed mothly take home then you will be fallen to intrest and gst for the intrest . Don't pay minimum due . Even no cost emi calculate total emi tenureif 3 month tenure u have to pay gst 3 time ensure all the cost should not cross's the product original value if it's crossing don't buy
10% using credit card correctly 90% using not correctly
If u spend more ask for a credit limit increase or use a charge card with no max limit.
Discipline discipline discipline discipline discipline discipline discipline
I too follow ji.vanginathum next hr la pandiuvan..
I use 6 credit cards, I never had any issues, I use them for maximum benefits..
Hi,
Which credit card has more offer ?
@@vigneshk3559 yes
I'm a business man.. I purchased my products in my credit card and i pay it back before my payment date... So I can earn some amount by using credit card
Yes its really useful but the way we hav to use it👍🏼🆒
Thank you very mach sir
சார் நான் எப்படி கிரெடிட் கார்டு வாங்குவது
Intro mass sir 🔥
Credit card யை தமிழில் சொன்னால் அதன் பெயர் கடன் அட்டை
Ofcourse but who will give 50000 on emergency for next day
@@shobabaranitharan2166 of course for me 2 lakhs limit, I used for medical emergency. Credit card is mandatory for all
இதையே இப்ப தான் தெரிஞ்சுகிறியா..
கடன் நல்லது
@@sathiyarajan8962 கடன் நல்லது தான் உங்களுக்கு . எங்களுக்கு கடன் நல்லது இல்ல. சகோதார
Super message
Thank you sir
Good speaking 🙂
Yes, credit card is not essential. We can save money and buy the things we need.
Very true sister... financial advisors like him will make people to fall for their ideas..do not fall for it
So true. If u know that you are a very indisciplined person ,it's better to avoid buying them
@@ij4451 actually no one is disciplined when it comes to money... psychology says using credit card will make our spendings on unnecessary things ..
@@gladwinsamuel8709 please don't give generalised statement based on your spending history or ur acquaintance's spending history. There are people who do use credit cards very deligently and reap the benifits.
Please do share the link of research paper for your "psychology says" statement. So that we know it's a genuine reasearch work and not some random bluffing statements.🙂
@@ij4451 very well said.. i m one of those disciplined users and i use my credit card for almost all my spending while maintaining a healthy bank balance in my savings account..i pay my credit card dues right after receiving my salary...the big joke or coincidence is.. when I am in the middle of typing this comment.. i received a call from my bank for emi conversion for a high value purchase i made just two days ago...😂😂😂😂
Iam using 6 credit card no issue no pblm pay bill correctly this is enough
Tamilula pesuratha iruntha tamilula pesavum. Or English la pesuratha iruntha English la pesavum. Mix panni pesuvathai thavirkavum
நான் கடந்த ஐந்து வருடங்களாக பயன்படுத்துறேன் ஒருவாட்டி கூட வட்டிகட்டுனது இல்ல.....
வாழ்த்துகள்
🎉
Superb sir...
And the Important thing! While we making Timely Payments Our Credit Score will Improve. We will use that score for Home Loan, Personal Loan Quick Approvals.
Awesome 👍 sir
First eppadi cancel. Panradu sollunga
Ha ha,
5:50 wrong sir card utilization ratio should be less than 30%
Credit card is not dangerous our indiscipline behaviour is dangerous
Nengo eppadi sonalum. Need and want. We Indian so nengo solarudu enga set agadu. Anand sreenivasan sir words than namba people ku set agum.
Out of 100% nengo solaradu 2% dan tagum.
Ipa credit card vankittan theva padumpothu Alava use pannitu atha repay pannitu marupadium theva padum pothu Use pannuna Cibil kammi aaguma Aprm Annual charge poga vera ethavathu charge varuma
I am using 7 years it's very help
ஆங்கிலம் படித்த அதுகளுக்கு மட்டும்தான் புரிந்திருக்கும். அதுகள் வாழ்க.
Vantan puluthi, pocha mooditu poda
வாங்கிய பொருளுக்கு பணத்தை உடனே வங்கியில் கட்டி விட்டால் கொடுக்கும் சலுகைகள் நமக்கு லாபம்
நான் கடந்த 3 வருடங்களாக பயன்படுத்துறேன் ஒருவாட்டி கூட வட்டி கட்டுனது இல்ல...திட்டமிட்டு பயன் படுத்தினால் பயன் உறுதி
319
Reply
In tamil explanation is good
Thank you anna
Super sir
10k salary vanguravanuku....HDFC credit card kudukuraa 20k limit ku antha bill ah crt ahh pay pana with bill date ..next limit increase pandranga....so most of the people's using credit card is middle class salary people's means peoples who are trying to grow up financially...financial company made the salaried peoples to buy richer products trough emi's mostly by adds....RBI is controlled by the banking sector of india....so credit card is TRAP ....financial company must issu credit card for vallied and eligible users only..its 100% TRAP in indian....most of other country s handling this in better way
It’s not a trap. We must not use full limit so the limit will be higher only. We must be cautious. We must not spend more than we can afford.
நல்ல செய்தி சென்னிங்க சார்
Yarum intha video la solratha kaeka vaenam....credit card lam namma life ku thaevayae ila...period
It's very helpful for emergency situation and extra benefits.
we should have emergency fund instead of credit cards ..staying away from leverage is easy way to live a peaceful life
@@SuperKarthick12345 Let's says a person has emergency during a vacation(i.e. no access to cash), or not able to withdraw money from liquid funds/ATM/banks because of holiday/strike/serve failure.
At that time credit card will help.
Everyone must have emergency fund. But having a credit card is also good.
If a person is able to save for emergency fund, then he would be good at finance, so he will use credit card in discipline.
yes
If u r not going to take any loans in u r lifetime then ok else u need credit score and that can be built mostly by credit score. Believe me CC is the best payment provided u must be responsible.
Superb credit card promotion... Better not to get into traps... Credit card companies are not fools to give only benefits to consumers without profit.
That's because credit card companies knows that 85% of the card users will spend more than they earn, so they will fall into the debt trap.
If all are using properly banks will close credit card system 😂
@@parthiban.k2507 but that's not possible.
People have temptation, and have desire to look rich.
@@vijayarirajta6692 people use for look rich then will die with bill due
@@parthiban.k2507 that's what I also said.
Very useful
Conveyed points are accepted. But liquid cash selavu pannathan naama pandra selavu worth ah worth illayanu theriyum. We may think before buying a product if we are spending money through cash...
நன்றி
Super
Credit card is the best thing
Yes.
80 % people losing some money by due and some chargers , other 20% people get rewards from that money. Anyway correct using inteligent peoples enjoying low salary peoples money. its not Fair
HDFC Bank account la cost Ila atha use pantrathuila but credit card apply panni vanthuttu
9 of
9
99
More benefits if you not pay in time, more dangerous
When we set auto-pay also we can avoid intrest
Thanks
Nice
Hello sir,
Which credit card has more offer ?
Hi...Every bank has a variety of cards each serving a particular type of customer based on their spending habit.
You can consider SBI CASHBACK CARD for online purchases, AXIS AIRTEL CARD for utility bills, mobile recharge ( Airtel ), ... You analyse your spending habits and get a appropriate card according to it.
Thanks,,,,
sir is it possible to convert as gold as emi purchase.
Nanga middle class use panna mudiyuma 🥺🥺🥺
Great explanation ❤ want to plan for financial how can I contact you Sir?
nan hdfc indigo 6e card vankiten enaku oru doubt nan 5000 use panitan nan ena date kula ithu pay pananum
Ennaku oru Doubt irukku ippo i have 2 Credit cards.. I have a Different Credit limits for different cards. As u said in the video do not use full credit limit. What Question I have is can I just use one Creditt card and utilize it's full capacity since I have a good Credit limit combined
ஒவ்வொரு கார்டிலும் 50% லிமிட் வரை உபயோகிப்பது நல்லது. ஒரே கார்டில் முழு லிமிட்டையும் உபயோகித்தால் சிபில் ஸ்கோர் பாதிக்க வாய்ப்புள்ளது.
Card utilization ratio should be less than 30%
Total credit limit and each card credit limit must be as low as possible.
9% is the best. Max 30%
Credit card always .use 25 to 30%used only best.full credit limit use means affected cibil score
For every transaction GST charges
No GST charges for every transaction.
Gst is only for interest and EMI.
Right
👌🙏
Sir, Bajaj RBL credit Card vangalama?
Sir credit card using a atm?
A big no no. High percentage of charges for taking money from ATM.
No high charge
Sir but eppo ellathukum charges varuthu
So i will use Debit Card why CC?
In debit card u will not get any cash back offer. But I’m credit card u will get lot of cash back offer and discount
Debit card is the worst payment method.
Payment protection. If any fraud occurs CC payment can be reversed but in debit card once payment sent that’s it.
Salary is high why we go with credit card
Listen from 1:50 sec
Because to build credit score. How will others know u will pay EMI for a loan. So the credit score will be checked before taking a loan for house/car/business/personal.