Open a Demat Account with ANY ONE of the following top stock brokers & get Our 6 stock market courses for free: Upstox 👉 bit.ly/ConveyUpstox Angel One👉 bit.ly/Conveyangel Dhan👉 bit.ly/ConveyDhan WhatsApp us your Registered Email ID on 7892541249 after opening Demat Account
1. Pay your dues on time (full bill payment) 2. Never use more than 25-30% of your credit limit 3. Always do in depth research before getting pre-approved or applying for any credit card 4. Always keep a gap of minimum 3months before applying for new credit card 5. If you by mistake used more than 30% of your credit limit repay that amount before next bill generation 6. Never discontinue your old credit cards the older the credit card usage is the better your credit history will be in eyes of bureaus. If you pay your dues on time. . . . All this points will help you maintain and build good credit score.
pro tips: 1. you can also check your detailed credit report in paytm and onescore apps. 2. Amazon paylater make two loan acounts one from karur vyasa bank and capital float. 3. speaking from personal experience credit inquiry does harm your score. 4. you can easily get credit card against your fd with 110% of limit of your fd from onescore credit card.
@@UJJAL_UD bro I checked my credit report, Amazon pay later open two loan accounts , 80% from karur bank and 20% amount from capital float Of the total Amazon pay later limit you get
Always avoid availing or using Pay Later facilities from e-Marketplace like Amazon, Flipkart or even Ola Cabs. I have checked my CIBIL where I have found that the Pay Later amount was actually a Loan account with exact amount as the Pay Later limit given to me. Now since these are Pay Later accounts so that Loan will never end as it is a credit line given by that E Commerce company. I had got these closed by calling the customer support and simply asked them to close the Pay Later accounts.
One of my friend used slice credit card and when he checked his credit report he was having 2 loans form some other bank but he used only slice card. His CIBIL score totally f*ked up😠
One score is the best app I used to track my Experian and CIBIL SCORE free of cost. Don't sign up for Flipkart paylater option.Theire customer encountering overdues reported in credit score without using it.Flipkart and IDFC not working on it till now. I'm facing this issue from past 6 months. Don't blindly enroll for pay later options provided by app and merchants. It is considered as personal/consumer loan and reflected in Credit Score.
What is the difference between personal loan and consumer loan ? Flipkart pay later open a personal loan account and Amazon pay later open a consumer loan account
I've loan against FD in Union Bank of India, they are charging 1% above the FD rate . Which is very attractive .It has really helped me improving my cibil score.
Keep it up Mr. Dane you are the best --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Mr Dane helped me boost my score from 420-to 750. boosting my credit score was one of the happiest things that ever happen to me. you can contact him via WhatsApp + 1 971 274 0192 and have a reason to be happy like me
Not all Loan against deposits reflect in CIBIL.. please check with some of the bank's sir.. just a request.. May be many user will follow this.. Before opening Loan against deposit do understand that you will be losing 1% over and above on your FD rate..
A high credit score increases your chances of getting a loan or credit card and a low score completely ruins it. Note that banks do not like to give loans or credit cards to people with the low score because they do not trust them with their money. Despite having a low score, if you get a card or loan, then your credit limit may be low or you might have to pay a very high rate of interest. To prevent this, you must improve your credit score. This was a necessary take, thanks for posting!
Aap nae bahut achchai topic pr video banaya hein.. Sir please jald se jald agla video laeye... Mere pan se bhi kuch loan liya gya h...or mera CIBIL score khrab ho gya h. Please koe bahtar solution dhundye
I have amazon pay later, I deleted my amazon account but amazon pay later didn't get deleted and now amazon and IDFC bank both are pointing on each other, amazon is saying as you don't have that account so you we cannot detect it cannot delete pay later and IDFC first bank is saying that it can be done by amazon only. It is showing in loan section in my cirf score
So some user on internet posted one issue with with Amazon pay later feature that they aggressively do inquiry on your profile whenever you use pay later option and that hampers your credit score badly even if you are paying your dues on time still those hard inquires will bring down your credit score drastically so stay away from this traps.
There are 2 types of credit inquiries: Soft inquiry: When you are personally inquiring about your credit score. Such inquiries don’t impact credit score. You can do as many as you want. Hard Inquiry: Whenever you apply for any credit/ loan, the bank does hard inquiry which reflects on the report. This type of inquiries impact credit score.
I just checked my Credit report and found an unusual Personal Loan sanctioned by IDFC First Bank in Active state which I never applied/asked for. Can someone please suggest how to get this issue rectified? Should I call that bank or Raise a dispute with bureau?
Because of Flipkart pay later my credit score damaged a lot. And it took months to identify. If anyone is using those paylater, immediately deactivate them.
Bro even I use Flipkart pay later. But I always pay my bills before 5 day of month. Will it affect my credit crore? Or should I deactivate Flipkart pay later? Ty
So it's like create an fd & earn 5% on it, take a loan against the fd & pay 7.5% on it, keep this loan in saving account and earn 3% on it. So, ultimately, you earn almost 0% on your fd for your credit score.
I applied for uni, n i have got a credit limit of 20k ,wit pay half fesility,on using this since 3to 4 mts (sbm) bank, I was pretty happy. On checking my cibil report through paisa bazar i noticed tht it's mother bank is frm Mauritius, n they pick a consumer loan wch they provide to us as credit, though it's not a credit but BNPL card, but a loan account is shown, n it does affect yr cibil score, is this fine or not plz 🙏let me knw
sir me online payment karta hu or muje bhi online paise pay hote Hai sir 1 saal me kitna paise hum online le sakte hai or kitne paise online paymnt kar sakte hai or is par kya tax rate hota hai. please sir aap tax ke baare me online paymnt ke baare me ek. video banye
Sir make a video in Slice ,fi and uno cards kya in ko use karne se hamarw credit score par farq padta hai kya aaj kal ye cards ki ad bohot aa rahi hai.
Open a Demat Account with ANY ONE of the following top stock brokers & get Our 6 stock market courses for free:
Upstox 👉 bit.ly/ConveyUpstox
Angel One👉 bit.ly/Conveyangel
Dhan👉 bit.ly/ConveyDhan
WhatsApp us your Registered Email ID on 7892541249 after opening Demat Account
Download the Hirect App now : hirect.page.link/hKne
Galat credit use awareness usa me v nae h europe pe bhi nae is se h ye bank kamarahi dekho vaha k research report ye ek scams h credit card
Dear convay team
I watched you video but can't find my cibil score
Please provide an Link of high mark or any other way to make sure to check my score
Please read banko ka mayajal
1. Pay your dues on time (full bill payment)
2. Never use more than 25-30% of your credit limit
3. Always do in depth research before getting pre-approved or applying for any credit card
4. Always keep a gap of minimum 3months before applying for new credit card
5. If you by mistake used more than 30% of your credit limit repay that amount before next bill generation
6. Never discontinue your old credit cards the older the credit card usage is the better your credit history will be in eyes of bureaus. If you pay your dues on time.
.
.
.
All this points will help you maintain and build good credit score.
Sir my cibil score 779 but no loan approval why sir
Credit card is not evil. It’s depends on individuals wisdom.All boils down to self discipline!
30% max spending rule of total limit,
One hack to prevent all the blunders ♥️
Correct 👍
pro tips:
1. you can also check your detailed credit report in paytm and onescore apps.
2. Amazon paylater make two loan acounts one from karur vyasa bank and capital float.
3. speaking from personal experience credit inquiry does harm your score.
4. you can easily get credit card against your fd with 110% of limit of your fd from onescore credit card.
Helpful info buddy. Any idea why Amazon creates 2 accounts? Makes no sense right.
@@UJJAL_UD bro I checked my credit report, Amazon pay later open two loan accounts , 80% from karur bank and 20% amount from capital float
Of the total Amazon pay later limit you get
My Amazon pay later was opened with IDFC first bank
@@raaga1994 are you Sure ? Because IDFC se toh Flipkart pay later ka account hai
Other Buynow paylater services create only 1 entry in credit report?
this is my first channel for financials... And this statement i say proudly.. 🔥
Your channel provide to point information. God bless u
Sir convey is world best you tube channel 🙏🥺🥺
Sir you and your team are amazing .they worked hard to serve best video to people like us a big salute to you and your team
Thank you for using word - Credit score!
😑 vo credit card wale credit score ki baat kr rha hai, vo nhi jo aap samjh rhe hai
Yes credit score ,,not cibil score🔥
🤣🤣
Always avoid availing or using Pay Later facilities from e-Marketplace like Amazon, Flipkart or even Ola Cabs. I have checked my CIBIL where I have found that the Pay Later amount was actually a Loan account with exact amount as the Pay Later limit given to me. Now since these are Pay Later accounts so that Loan will never end as it is a credit line given by that E Commerce company. I had got these closed by calling the customer support and simply asked them to close the Pay Later accounts.
It's very helpful ☺️👍 sir thenk you I am waiting for next video
One of my friend used slice credit card and when he checked his credit report he was having 2 loans form some other bank but he used only slice card. His CIBIL score totally f*ked up😠
One score is the best app I used to track my Experian and CIBIL SCORE free of cost.
Don't sign up for Flipkart paylater option.Theire customer encountering overdues reported in credit score without using it.Flipkart and IDFC not working on it till now. I'm facing this issue from past 6 months.
Don't blindly enroll for pay later options provided by app and merchants.
It is considered as personal/consumer loan and reflected in Credit Score.
What is the difference between personal loan and consumer loan ?
Flipkart pay later open a personal loan account and Amazon pay later open a consumer loan account
I've loan against FD in Union Bank of India, they are charging 1% above the FD rate . Which is very attractive .It has really helped me improving my cibil score.
Bro may i know, How much money u have deposited in FD and after that how many days it took to improve your credit score?
Very useful video 👌👌👌👌 keep it up 👍👍👍👍
Keep it up Mr. Dane you are the best --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Mr Dane helped me boost my score from 420-to 750. boosting my credit score was one of the happiest things that ever happen to me. you can contact him via WhatsApp + 1 971 274 0192 and have a reason to be happy like me
Thank you Convey team
Thank you sir. Very informative content
Not all Loan against deposits reflect in CIBIL.. please check with some of the bank's sir.. just a request.. May be many user will follow this..
Before opening Loan against deposit do understand that you will be losing 1% over and above on your FD rate..
You are wrong
I just got my first credit card of HDFC (pre-approved) month back ..
ps: I am 18
Love From Odisha ❤️❤️
Technical impulse says' stock market are scripted.. what's your opinion. sir, kindly reply 🙏
Liquid fund provides around 4.5 percent XIRR , so it will not be able to nullify interest
A high credit score increases your chances of getting a loan or credit card and a low score completely ruins it.
Note that banks do not like to give loans or credit cards to people with the low score because they do not trust them with their money.
Despite having a low score, if you get a card or loan, then your credit limit may be low or you might have to pay a very high rate of interest.
To prevent this, you must improve your credit score.
This was a necessary take, thanks for posting!
Aap nae bahut achchai topic pr video banaya hein..
Sir please jald se jald agla video laeye...
Mere pan se bhi kuch loan liya gya h...or mera CIBIL score khrab ho gya h.
Please koe bahtar solution dhundye
Bhaiya bahut din ho gaye, Q&A please.
#conveywarriors
Convey where are the bloopers really missing it😂
Dahnyabadh bahi important ones 👌✌👍🙏
Really a informative video. Eagerly waiting for upcoming videos on credit card/bnpl.
Hello sir , can u make your next video on sip by ourself from teen age only advantages and disadvantages
The dark side of credit card is I believe a criminal offence, Prasad you should definitely spread awareness .
I have amazon pay later, I deleted my amazon account but amazon pay later didn't get deleted and now amazon and IDFC bank both are pointing on each other, amazon is saying as you don't have that account so you we cannot detect it cannot delete pay later and IDFC first bank is saying that it can be done by amazon only. It is showing in loan section in my cirf score
Sir make a video on "liquid fund"
Thank you so much sir....its very useful
Very informative video! Thank you
Your welcome🙌
Thank you Bro ♥️🙏
Thank you Convey by FinnovationZ team for important information.🙂🙏❤️
Best idea for to improve CIBIL score
If we use 100% or 80% utilisation limit then it ll also impact on credit score
I think it does if use more than 30% of your limit as per the financial advisors, but if you pay it on time it should not affect your credit score 🤔
ICICI FD Linked Credit Cards will not reflected on CIBIL Quoting by Using the Same
So some user on internet posted one issue with with Amazon pay later feature that they aggressively do inquiry on your profile whenever you use pay later option and that hampers your credit score badly even if you are paying your dues on time still those hard inquires will bring down your credit score drastically so stay away from this traps.
Please Talk About Slice Card
Very useful and practical..
Sir you are my favourite financial guru.
Sir plz again start giveaway of opening demate account from your link
2 million soon✌️
Doesn't frequent inquiry (1-2 months) of credit report also affect the score?
There are 2 types of credit inquiries:
Soft inquiry: When you are personally inquiring about your credit score. Such inquiries don’t impact credit score. You can do as many as you want.
Hard Inquiry: Whenever you apply for any credit/ loan, the bank does hard inquiry which reflects on the report. This type of inquiries impact credit score.
@@MBangre so in case I inquire via paytm free credit score check it won't hamper my score.
@@sajalagarwal6773 yes, it won’t impact.
Cibil allows you to check 1 free report annually
Nice visuals....
I just checked my Credit report and found an unusual Personal Loan sanctioned by IDFC First Bank in Active state which I never applied/asked for. Can someone please suggest how to get this issue rectified? Should I call that bank or Raise a dispute with bureau?
If we generate free credit reports on these website , it will reflect as inquiry entry in my credit report ???
Is loan against FD considered secured loan in cibil ? What about cc against FD ? It shows as credit card ( unsecured ) in credit report ?
Yesterday I got my 1st credit card
Prasad sir smart hote ja rhe ho aap....
Waiting fr part 2..
Because of Flipkart pay later my credit score damaged a lot. And it took months to identify. If anyone is using those paylater, immediately deactivate them.
Bro even I use Flipkart pay later.
But I always pay my bills before 5 day of month.
Will it affect my credit crore?
Or should I deactivate Flipkart pay later?
Ty
nice informative vdeo sir paytm me bhi ata hai cr score ...wo kaisa hai ?? i have checked mine personally ,.
Plz make video on utilisation of credit card
cred pr check kr skte h easily detailed credit score , it also shows credit mix
I Also Found Amazon Pay Loan in my Details Cibil Report
Investment banking ki history k baare me video banao please🙏
Mere saath bhi same hua...mere credit report me unknown loan show kar raha hai...ab problem is how to identify that loan and whom to contact..
I am 18 years old. I have used a slice card when I check my cibil score on the Bajaj finance app it shows you have no credit card.
Detailed Credit score can be generated on CRED every month with free of cost.
Please don't wait for 50k likes, and complete the series of "Basics of Options trading for beginners".
Sir sir ...NIFTY call option ko lower circuit lag jata hai to contract sell nahi hota to penalty kitna lagta hai
So it's like create an fd & earn 5% on it, take a loan against the fd & pay 7.5% on it, keep this loan in saving account and earn 3% on it. So, ultimately, you earn almost 0% on your fd for your credit score.
Everyone talks about FD OD but no one talks about how they work and how to pay them back, that's the real irony!
Excellent sir
ONESCORE & CRED is also a gd option to check credit report
Nice vedio sir
Please highlight on liquid fund
Are there any tax saving liquid funds?
Sir ham business consultant and motivesnal speaker kase bane aur konsa course kare full case study banaye 🥺🙏🙏
Brother i can help you to achieve this goals in fully practically way.
business consultant ka to pata nahi lekin motivational speaker kaise banna hai yeh mujhe pata hai, logo ko sapne dikhao jo kabhi bhi pure naa ho
@@ShailendraSharmaDark 😂😂😂😂
very good video.. but jab hum credit score dekhte h tab 15 points down hota hai.!!. ye true hai..?
Prasad sir plz make video on green bubble explain us thank you
I am not using any Credit cards and I don't have any loan so can I check my credit score.
Is it possible??
Does checking credit score frequently will reduce our score?
Sbi का क्रेडिट कार्ड बंद करना है हो नही रहा है ,,
Mere nam pe 2 loan account hai. But Maine koi v lon lia hi nahi. Isko close kaise karna hai pls bata do.
Credit Agencies ko link provide kre please 🙏
You can check on freecharge and on paytm also
Bahoot sahi se samjaya apne
Sir mera ek ZIP loan show ker rha he mobiwik me kese isko dur kru kru
ye mobiwik se band nhi ho rha he please help me
Thank you
But how can we take loan?
Mine is only 755
I missed 2 payments 2 year's ago.
Everthin is unsecured.
It is not going up
Bhai konsa liquid fine 8-9% ka return deta h
I applied for uni, n i have got a credit limit of 20k ,wit pay half fesility,on using this since 3to 4 mts (sbm) bank, I was pretty happy. On checking my cibil report through paisa bazar i noticed tht it's mother bank is frm Mauritius, n they pick a consumer loan wch they provide to us as credit, though it's not a credit but BNPL card, but a loan account is shown, n it does affect yr cibil score, is this fine or not plz 🙏let me knw
Tricks to increase your credit score:
3. ‘DON’T buy a credit card’.
Thank you.
My cibil not going above 800, currently at 778
sir me online payment karta hu or muje bhi online paise pay hote Hai
sir 1 saal me kitna paise hum online le sakte hai or kitne paise online paymnt kar sakte hai or is par kya tax rate hota hai.
please sir aap tax ke baare me online paymnt ke baare me ek. video banye
How to correct Date of Birth in CIBIL?
Sir make a video in Slice ,fi and uno cards kya in ko use karne se hamarw credit score par farq padta hai kya aaj kal ye cards ki ad bohot aa rahi hai.
Cibil score 300h kaise thik Kare sir please reply video ji
bro u are a engineering graduate how would you learn about financial knowledge can u tell me?
Sir ek detailed video coca cola k dividend pr bnaiye
Bhai Who Builds Indian...
Ka Video Kahan Gaya ...
App itna Hipe Bana diye the.
Demand account kaise khole
aapne abhi tak #Paytm par koi video nahi banaya...
Sir online Liquid fund dene wale koi bank hai
Bro, pls release the video on amazon pay later
Sir, can u please make a video in details about Forex Broker in India.
Thank u sir
My pleasure🙌