What is a Credit Card ? How to Select the Best Credit card and Get maximum benefits from it.
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- เผยแพร่เมื่อ 23 ก.ย. 2020
- Want to know if you should be using a credit card?
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Do you know the difference between a credit and a debit card? want to know which is the best credit card in India? How can you earn maximum rewards from credit cards? Find answers to all these questions and many more in this detailed video on credit cards
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Love the energy in your voice and way you explain difficult financial concepts.
th-cam.com/video/7FDPvOQRIRM/w-d-xo.html
Nice information when saying values or numbers please use English numbers.
This Will be helpful for Non Hindi and South Indian audiences.
We can understand sentences in hindi , but numbers it's difficult to understand
But sir you forgot to point one IMPORTANT note: If you withdraw cash using your credit card say 1lakh amount incase of emergency there is no interest free period. You have to pay interest from day one till you repay the amount of loan of 1lakh in full. The rate of interest will also be higher than your normal rate of interest on basic loan you get. You may even go bankrupt. Never withdraw cash or use cash advance unless in emergency.
thanks for the info bro...
Qq
Q
Will it be on all amount credited or only on amount above credit card limit ???
@@AnkitaGupta3529 i don't understand your question.
Aap Aisi achhi video banayenge to hum aapke aabhaari hai.
Aapka bhut dhanyawad ki aap log aage aate hai humein sikhate hai.
Bhagwaan aapko humesha khush rakhe
SBI credit card use kar raha hun.
Bahot aasan hai .
500 rs yearly fees hai.
BUT usse atm se kabhi paise nahi nikalna kyonki , every transaction ke 500 fees lete hai. Sirf 1000 nikaloge to bhi 500 katenge alagse.
is this true?????????????????????
@@PS-kn5lr
yes. very true... I get 1000 rs charge for 2 times transaction of 1000 rs. then I look at its booklets and found that cash withdraw is for emergency purposes only.
Yes.. I have tried cash withdrawal.. 8 year back for 500 .. I was charged around 300
@@PS-kn5lr Haha, Only withdraw cash from a Credit Card if you are in serious emergency... Serious means had a major accident and want to travel to nearest hospital or if you are at gun-point with a robber and he is forcing you to take money out of it!
@@rohitsoni9325 @Milan Kundalia I got you... get a credit card....but don't use it unless I'm dying
I like the way he speaks . Keep up the good work ❤️❤️😃
Amazingly explained in a simplified manner. Thank you.
Waah kya bat h mere paas amazon pay credit card hi hai or m cred app se hi pay krtaa hu ..gajab app hai ..
I use Citi bank Indian oil Card.....
Benefit of this card is U can Use Same amount of petrol / Fuel from any Indian oil pump Equivalent to your Points.
1 points = Rs 1 Fuel.
How much point we get??? on how much bill
@@nikhilgupta2505 Per 1000, 20 Points
Very thankful to you sir for giving us a simple and clear explanation of credit card concept.....
Conclusion is if you have money and your expenses are limited don't go for credit card ... Even pranjal sir don't use credit card (Amazon pay is kind of shopping card and not a credit card). But if you don't have a money then don't be greedy to use credit card and last and most imp have you and your family insured with health insurance ❤️
This is a very informative video, i was sceptical on using cred but might now give it a try.
Thanks Sir for giving helpful tips...I was searching in youtube and I got all my question's answers in this video.
I don't think anyone has given better in depth analysis of credit card usage than you. Big fan of your presentation.
Thankyou so much!
भाई आप तो बहुत अच्छी तरह से समझाते है और आप की पुरी व्हिडिओ मुझे समझ मे आ गई ..अच्छा लगा
I made purchases through HDFC Credit card EMI for computer parts and setup the autopayment for it. Over the span of 2.5 years all 30 EMIs were debited on time. Setting up auto payment is very essential. Also keep in mind your monthly income. Make sure that your EMI amount should not exceed ~20% of your income amount.
Keeping the emi amount less than or equal to 20% is a rule or an advice??
TIA
@@pratheekkc2044 advice
Can you guide me ? My friend took credit card : HDFC Bank Regalia ? Limit : rs 2,00,000/- he utilise limit ! Feb 21 to oct 21 ; 9 months finance charged is rs 50,000/- is there any way to get waive of interest on card ? @ 36% about per year ?
Is such a high interest rate is legal ? I do not think so ? Bank normal rate of interest is @ 9% ? Who gives permission to charges to 36 to 42% per year ? Who has such high income ?to bear interest ?
Is there any way to save my friend paying HDFC Bank Regalia credit card ; Financcial charged levied on monthly basis ?
You know what mere har saval ka answer muze tumhare videos me mil jata hai . Thank you so much 🤗🤗
Sir you are really a good advisor .
you always make videos which help us too much.
That's the video I was looking for, complete information, I've searched other videos but they don't tell what exactly it is, and how to use it.
Nice to hear you on credit card. You have nicely elaborated..... What is credit cards n who to use it. Thank you
Way of understanding is awesome, keep going.
Thanks sir for clearing all my doubts regarding the credit card usage and other necessary things!!
Thank you sir for making this valuable vedio gives important information about credit card.. It's really helpful for understand 👍
Sir, aap ne credit card ki puri jankari bahut achhe se samjhaya hai thank you
Thank you for your valuable guidence.. and offcourse thank you for your presentation literally we understood the concept of credit card with practically.
Thank you Sir for giving such necessary information.
You are soo knowledgeable... Thnk uh soo much sir❣️
I found this video pretty helpful. Thanks bro.
Sir jee keep going in and never put off this smile on your face
Very good video Pranjal. Very well explained. Keep up the good work 😌
itna achha information dene ke liye ,dil se sukriya .
Aap ke duwara diya gaya jankari mujhe aacha laga Thank you sir
Sir your stock market classes and other relevant videos are the best on youtube. So it is a request to you to explain us about technical analysis also.
I use kotak bank &SBI credit card good option on emergency time apko kiseke pass paise mangane ki jarurat nahi❤️👍👍
Thank you so much for this information 🙏
Thanks for this nice video, Mr Kamra.
Sir , thanks for the informative session.
Thank u for giving us valuable information and right direction .... great fan of finology...
Thankyou so much!
Would like to appreciate your efforts in making this video and explaining it in details. One point I would like to add here is do not spend more than 30% of credit limit in one cycle otherwise your cibil score is going to affect badly
Nicely explained Sir.
Thanks..
Thanks Sir, You Are Contents are Most Valuable in Finance
I use HDFC Diners Club Credit Card. Sir, I am a big fan of you and the way you explain these things. I request you to please make some content on Dividend Mutual Funds and what are your personal favorites. How to select them. Respect!!
Etna video dekh koi achha se nhi samjha paya AP ka video dekhne par Pura pta Chal gya
Sir, you provided best explanation.
Surprised to see videos related to credit cards suddenly popping up from many finance/ stock market related youtubers.
Looking fresh today.. Thanks for the video
bohot ache se samjhaya sir aapne thank you
Very clear explanation thank you 👏
Great content as usual.
As usual your video is always good
👌
Thanks for your detailed explanation boss ! really helpful
Thank you so much brodher for my eny daut clear.. sir
Mai SBI , HDFC, RBL & ICICI ka use kiya. Dhire dhire karke kharcha jyada ho gaya aur 2 sal tak bhar nahi paya fir personal loan nikal kar sab nill kiya aur tod k fek diya.
Tod ke fenkna is not sufficient, ensure to surrender otherwise bills will accrue.
Credit Card ke use me sabse pahle yahi dhyan diya jata h ki Income ke anusar hi kharch kre ..
M SBI & ICICI use krta hu aur normal hi kharach krte h
@@youngerschoice right agar bhar na sako to use hi mat kro 🤣
ઘરમાં ઉંદર પકડવા માટે જે પાંજરા મુખ્યા છે એની રીત શુ હોય છે જરા યાદ કરો પાંજરા માં ઉંદર ને ભાવતું ભોજન મુકવામાં આવે છે અને થોડું ઘણું બહાર ઠોળવામાં આવે છે જો બહાર થી ખાઈ ને સંતુષ્ટ થયા તો બચી ગયા પણ જો પાંજરા ની અંદર નું લેવા ગયા તો ભરાઈ જવાય અને બહાર ન ઉનન્દર પણ કોઈ રીતે મદદ નહિ કરી શકે
આજ રીતે
Emi પર મળતી વસ્તુઓ
પર્શનલ લોન
ગોલ્ડ લોન
ક્રેડિટ કાર્ડ
કાર લોન
બાઇક લોન
વધુ પડતા ઈન્સ્યોરન્સ
વધુ પડતા દેખાવમાટે કરેલ ખર્ચ
અને
70 % કિસ્સા માં દવાખાના અને લગ્ન ન ખર્ચ માં અને વ્યવહાર મા લોકો સલવાય છે
માટે જો આપ પર્શનલ લોન થી પણ આમાં થી બચી શક્યા હોય તો આપ ને અભિનંદન બાકી ઘર બેચી ને પણ આ બધું પતાવી શકાય એવું નથી
માટે જાતે ઉગાડવું થોડું ખાવું અને બાળકો માટે અને પોતાના ભવિસ્ય માટે કંઈક બચવું હોય તો
આ માયા માંથી બહાર આવી ને સાદું જીવન જીવવું બાકી મોબાઈલ રિચાર્જ માં દર મહિને 1500 rs થાય 🤣🤣🤣🤣
Chal jhuta....High level jhut.....
1. CRED app ka kya interest hai rewards dene me 😁😁
2. Which is best credit card as of today?? In terms of reward system or cashback
Helpfull video Thankyou Sir
Most Important information i get in this video thank you for help
Use credit card maximum but always keep a track of payment date as using this does not makes multiple transactions on savings account and you can earn more interests on saving accounts.
You're are awesome sir.... You're providing such a valuable knowledge free of cost....Great Contents...Love from MEGHALAYA
Thanks a ton!
@@pranjalkamra CRED nowadays not giving any such good deals or offers.
@@nikkheiljain5898 apna data bech ke malamal ho gaya woh
in Meghalaya, which language do you speak ?? and what is your staple food?
@@sonamdeshpande7281 ye Google pe bhi mil jayga bhai... raat ke 2 baje kyu disturb karrai...
Zhop ata
Bhut ache se samjya apne sir🙏💖
Tnq so much sir for sharing this usefull information about credit card with us from guna (m. P.)
HDFC credit card is one of best
1. No annual Charge OR joining charges
2. Rewards point for Fuel refill from HDFC also and From HP petroleum also
3. Rewards point on online shipping 5% fixed
4. Offer on filpkart and Amazon
5. 45 Days for bill cycle
Really your speaking skills very good ek baar mai hi samjh aagya 👍🏻👍🏻😀😀
th-cam.com/video/7FDPvOQRIRM/w-d-xo.html
Very very very well explained bro ♥️
Excellent explanation... JUST WOW ❤❤❤
Beautifully explained, Thank You, Good Luck 👍
Sir you are very good explainer 🤗
It was informative..Thank you
Good info for new user of credit card,solving many querries keep making futher video giving info about how to do onln transaction trough credit cards
SBI credit card is too good charges less in EMI and good offer I generally use reward points for movie tickets 😉
Yes sir , you are right....I'm also using same Amazon ICICI card and it also gives direct cash rewards to Amazon account.
Beautifully explained
Best video which summarises everything about credit cards
1st comment,. useful information. thank you
Worst part about cred reward points is to use reward points you have to shell out money. Just give us some gift cards and simplify our lives.
Great information. Thanks 😊
Nice video.ek dum sahi samjaya sir
You explained it very well!!!
Thank you! 🙂
Mtlb isko kahte hai smjana..
Har doubt ek hi video mai solve kr dia.
#No-Queation
Great sir.. 😍
Thanks Sir for so nice information 🙏
I liked your way of speaking. Content was nice.
Hello sir nice informative video..but you should say something about minimum amount due which credit card companies charge if you can't pay the full due amount.
Sir your all videos are awesome and very knowledgeable 👍
Thanks a lot!
Today I got my kotak league credit card. I didn't know anything about credit card until I saw your video. Thank you for informing and clearing all doubt.
This is what I searching for .. 🙏🏻
Sir aap best eakdam mast batate ho sir pls vedios jaldi jaldi Laya Karo🥺🙏
th-cam.com/video/7FDPvOQRIRM/w-d-xo.html
I always waiting for your video, this week Idea Bag very down but I hope again will be up and Great explanation! Your last video was also good about Credit Card
You had explained so well,
Informative video thank you.
i m using amazon credit card sbi smply clik credit card and for payment i use cred app from last 1 year app is great and rewards in flat cash back
CA RACHANA RANADE AND PRANJAL KAMRA ARE BEST FINANCIAL EDUCATOR ON TH-cam
cred used both for promotion along with anil kapoor :P
lekin dono ne ye video cred ke promote k liye banaya hain
@@ronak012 hm
It's ok if they made it to promote CRED, what matters is if they are being honest or not
@@princegandhi1477 ya but they didn't told that whose credit score is more than 750 only they can use cred not all people. i tried many times but its not working for me.
Thak you so much sir for good information.
very informative video with mountain high clearity.
Glad you think so!
Excellent topic😎👍
@Pranjal - You are forgetting a very important term "Trailing Interest" on Credit Cards. Please make a video on that, I learned the hard way. CC Banks do not easily tell you this. People should know.
trailing intrest kia??
Well explained, and impressed too
Simple and clear explanation of credit card thank you Sir
Mostly i like your video before click to play ,big fan of you🧡🧡🧡💗💗😍
nice
में 1 साल से क्रेडिट कार्ड यूज़ कर रहा हूँ, और आजतक 1 भी पेमेंट लेट नही हुई, तो मेरे लिए क्रेडिट कार्ड बहुत ही ज़्यादा लाभदायक है
Bhai konsa credit card hai aapke paas, aur annually maintenance charges kya hai
@@malkeetsingh-ti4bh bhai 10 credit card he mostly lifetime free he
@@sajidulansari6334 aap kon sa use karte ho bhai
@@malkeetsingh-ti4bh amazon pay icici card, flipkart card, axis ace , hdfc bussiness moneback, rbl bank shoprite, rbl bank paisa on demand card, uni card, lazypay card, sbi simply click card, bob card,
@@sajidulansari6334 bhai ek new bhi aya hai wo bhi thik lag raha hai, ICICI platinum debit chip card
Nice recommended and love u so much
Very nyc and useful video 😊 thanks for making this video for us 🙏 it's really helpful for me sir ☺️