not just 30% rule. They will also see if your utilization is inconsistent with your previous history. If you have bumped up utilization this month compared to previous few months that will also result in dropping of your credit score by some points. I have experienced this.
Same hear bro experience valo ne mera credit score 30 point drop kar diya....I don't cross 30 % limit of credit but ....i generally cros 10 ...so they are dropping points
Having a credit card is useless then. Hold money for all month and pay bills before the due date I pay 5 days before due. That's a killer option I use.
@@bekifaayatiI have HDFC tata neu plus credit card but the rule of the card is Rs 499 annual discount on transaction of Rs 1 lakh but before I get bill generated If I have paid each month's bill in advance, will the bank discount the annual charges? Every month my bill generated is 4500-5000 rupees.
@@ashismajumder3675 it doesn't depend on bill generated it depends on total spend on your credit card must exceed 1lakh in one year and your fee will be weavier
I took credit card a couple of years ago to build credit score. But kinda got a bit lucky later and earned quite a lot. Now, I don't think I ever need to take a loan, lol. So, cibil score kinda doesn't matter for me now, I think. Just using credit card for the 1 month free interest, lol.
I always pay before bill generation. So that my statement always comes zero rupees. It is a trick to get credit card offers for payment but reduced credit utilisation ratio to less than 10%
आपके समझाने का तरीका बहुत अच्छा रहा स्पष्ट रूप से जानकारी मिली इसी तरह की जानकारी देते रहे आपकी आवाज बहुत मधुर है मुझे आपकी सारी वीडियो अच्छी लगती है नई जानकारी मिलती है धन्यवाद❤🎉
point1 is wrong info even if i have multiple cards total of 5lakh limit and if i have a credit card of maximum 1 lakh limit and if i utilise 80k in the same card credit score will drop because 30% is calculated only with single card and not the total limit (Multiple cards) i have a proof for this
Not just 30% rule. They will also see if your utilization is inconsistent with your previous history. If you have bumped up utilization this month compared to previous few months that will also result in dropping of your credit score by some points
The title of the video doesn't match with the video content. I still didn't get any answer on when should I repay my credit card dues. I don't want to know the bill generation date, I want to know the bill payment date as said in the title of the video.
Bro take i simple example like your bill date or a statement date is 15 of every month then the shopping that you do 15 April then next month i.e 15 may will be the bill generated date then after bill is generated about 20 days Bank will provide a time period to pay that bill but my point is that you should keep in mind that you have only 15 days so you have to pay on 30 may then this cycle give most benefit to you because you use that money about 45 days. Hopefully I am correct if not then please tell me also .
If you didn't get the answer to your question after seeing the video, then see the video again and try to understand it completely, rather than just looking for any particular date. The date when you should pay depends on both the card issuing bank & your bill generation date. PS: Rules have changed now (since 1st Jan 2025). Now banks have to share your data every 15 days. On 15th and last day of every month. So plan accordingly. Either 1 day before bill generation date, or on 14th, or on 29th (27th for Feb).
Suppose I am purchasing a bike for 60% of my credit limit and i have money in the bank(using cc just for points). What is best: Pay bill on next day Pay on the day mentioned in video Use debit card and ignore rewards
2nd option bro. But rules have changed now (from 1st Jan 2025). Now banks have to share your data every 15 days. On 15th and last day of every month. So plan accordingly.
Me shopping krke jesa mall se bahar ata hu to mera bill ban chuka hota hai, sidhaa gadi me beth kr pehle pytm se credit card bill krta hu. Same day hi bill pay kr deta hu, statement banne ka time hi ni deta me
Bhai sun sab udhar ke liye cc use krte hai, me reward, discount, cibil bnane ke liye use krta hu, direct bank account se shopping krne acha cc se shopping kro. Kuch upgrade hi hoga, galat nhi hoga
esa nahi hai ..jin ko cibil reports padhna ata hai wo khud dekh sakte hain date reported and certified bol k option ata hai report me.. and hr bank time to time change kar ta reheta hai
Ma'am Flipkart ya phir Amazon pe kia hua No Cost EMI ko agar hum pre close karte hai toh jo No Cost EMI interest ka amount discount Flipkart amazon se milti hai use bhi pay karna hoga ya sirf principal Amount+3%+GST dene se hoga ???? HDFC credit CARD
It's very opaque and unreliable score which is unfortunately given such an importance by financial institutions. They are not able to resolve basic things like When 2 banks merges, new bank account is duplicated and old bank account remains active even after closing the actual account.
Why in your community website always says we ran into a problem your ip addresse is banned it says in my Home and friends allk phone and laptops over wifi and internet also
What’s the point of having credit card if I can’t use the credit card? I have used more than 50% of my limit too & have timely paid the bill. However my total usage was less than 50% of combined cards. My cibil is 790+. I seriously dont care if its 800+ or 780+.
ICICI ke Amazon pay credit card ne Mera civil 880 pahunchaya. Lekin Jaise hi maine ICICI and Kotak ka credit card band karaya aur uske sath sath HDFC credit card ka 99% utilisation Kiya aur uske sath sath Bajaj auto finance se gadi finance karaya Mera cibil 150 points gir gya
Earlier I used to keep my utilisation between 10 to 20% and my CIBIL was around 773 this month my utilisation was 60% and my CIBIL went to 781 after fluctuating between 773 and 774 for 1 and half year
Mai toh ulta credit card ko jaada de kr rakhta hu😂phir mera cred score 810 m fluctuate krta rhta h...ek saal hi hue hai use kiye....jaise 100k limit h mai 30-40k use kiya product deliver hua payment kr diya ulta 2k-3k jaada kr diya phir cashback aaya uska 2k jaise wo alg....😂
Since I trust your videos and your suggestions I had joined your Bekifaayati community. But after joining I haven't received answers for my posts from your staff. In fact I have seen there are many threads which are unanswered.
Hey, sorry for the inconvenience. But we don't have staff's appointed for answering, it's open for all community where anyone can answer your question including us. We will try to answer it as soon as possible.
Me aisa karta hu or ye ek video me mane hi bataya tha me bill generate ke 2 se 3 din pahle payment kar deta hu ya fir man lo 50k ka mera amount bana or mere pass bill generate se pahle 25k hi he to 25k de deta hu to Jesse bill 25k ka aaye or bill generate ho gaya uske 2-4 din bad vapas use kar leta hu man lo 30 july ko due date he 50k dene he to ab mujhe agust ki 30 ko dene hoge.... mere cibil me credit utilization 15 se 20% rahta he Ek trick he apka bill bana 50k ka apke pass 25k hi he due date bhi aa gayi to 25k dalo 25k vapas nikalo or 25k fir se dal do credit card me 50k ka bill bhr gaya ha nuksan he par us time ye socha nhi jata ye sirf jab kare tab kahi se pure paise na ho
Any improvement in cibil ? In my case I'm almost use 60% limit payment due date se 2_3 din pele hi krta hu to mera cibil ek month me thoda down hoga next month fir increase ho jata hai bs aisa hi chl rha hai
Hi Ma'am, I am following your videos for more than couple of years and I really appreciate your work 😊. I have a question of which I am unable to find the answer after my utmost efforts. I hope you reply 🙏. How much time will it take for you to build a fair cibil score if you haven't took or borrowed any kind of bank loan in your life. Please make a video on this topic too. Thank you❤
I have a doubt I'm an sbi cc user and my statement comes on 17th and due is on 7th of next month. So if i pay my dues before 7th but i have used above 30% of cc after the 17th(unbilled), will my unbilled transaction be reported to cibil post 3 days of due date ?
Please help, what is the effective date of RBI guidelines on 3-days grace period after the due date of credit card bill. I have checked that Card- issuing bank has charged me with late fees for payments made on Due Date + 1. I wanted to check when the RBI guideline came into effect so that I can follow up with banks accordingly. Many thsnks
not just 30% rule. They will also see if your utilization is inconsistent with your previous history. If you have bumped up utilization this month compared to previous few months that will also result in dropping of your credit score by some points. I have experienced this.
Same hear bro experience valo ne mera credit score 30 point drop kar diya....I don't cross 30 % limit of credit but ....i generally cros 10 ...so they are dropping points
Very true 😅
Brother that is why she is saying pay before bank share data to credit Agencies....
Me too
Yess i hv also faced this issue
i subscribed the channel a minute ago the imformation was awesome..keep going team bekifayati..
Thank you 😊🙌
Same 😊
Nicely explained
Thanks for the information didi 😊
Welcome 😊🙌
@@bekifaayati thank you so much 😊
@@bekifaayatima'am indusind ki date plz
@@bekifaayatiSBM Credilio ka date konsi hai
@@bekifaayatiSBM Credilio ka date konsi hai
Purchase anything and pay your bill after delivery of product or within 3-5 days.
Haa toh cheque se payment kar tu bhai
@@hrishabhjain933 Paisa nehi hai to mat kharido, simple, or paisa hai to payment kardo do. Credit Card ki discount or cashback milegaa
😂@@hrishabhjain933mgr ku?
Having a credit card is useless then. Hold money for all month and pay bills before the due date I pay 5 days before due. That's a killer option I use.
😂😂😂😂 @@hrishabhjain933
30 seconds video turned into an 8 mins one
But i bet you have to spend more than 8 months or years to check this data that it is correct or wrong
@@sweetbunny321 Simp hai ye to
This is called talent😂😂
Great video.
This was very much informative and useful.
Thank you 😊🙌
@@bekifaayatiI have HDFC tata neu plus credit card but the rule of the card is Rs 499 annual discount on transaction of Rs 1 lakh but before I get bill generated
If I have paid each month's bill in advance, will the bank discount the annual charges? Every month my bill generated is 4500-5000 rupees.
@@ashismajumder3675 it doesn't depend on bill generated it depends on total spend on your credit card must exceed 1lakh in one year and your fee will be weavier
Very good info, thank you for knowledge mam
Thanks A lot Bekifaayati ..👌👍
Welcome 😊🙌
I love your creativity ❤️❤️❤️😊 thanks alot
Welcome 😊🙌
Very interesting data !! Mind blown.. thanks
Welcome 😊🙌
I took credit card a couple of years ago to build credit score. But kinda got a bit lucky later and earned quite a lot. Now, I don't think I ever need to take a loan, lol. So, cibil score kinda doesn't matter for me now, I think. Just using credit card for the 1 month free interest, lol.
Nyc efforts 👌
Thank you 😊🙌
I always pay before bill generation. So that my statement always comes zero rupees. It is a trick to get credit card offers for payment but reduced credit utilisation ratio to less than 10%
Super Video. Keep it up 👍👍👍
Thank you 😊🙌
The best financial informative concern video,,, Good job 👍🏻👍🏻👍🏻
Thank you 😊🙌
आपके समझाने का तरीका बहुत अच्छा रहा स्पष्ट रूप से जानकारी मिली इसी तरह की जानकारी देते रहे आपकी आवाज बहुत मधुर है मुझे आपकी सारी वीडियो अच्छी लगती है नई जानकारी मिलती है धन्यवाद❤🎉
Welcome 😊🙌
Hi, does total limit includes cash limit too?, my credit limit is 50k and cash limit is 20k, , so 30%of 50k or 70k, please reply@@bekifaayati
मुझे इंग्लिश नहीं बनती है हिंदी में जवाबदो आप बहुत अच्छी हो खास आपके तरह मेरी भी क्लास टीचर हो तो अच्छा होता
हिंदी मीडियम
nice insights 😄
Thank you 😊🙌
point1 is wrong info even if i have multiple cards total of 5lakh limit and if i have a credit card of maximum 1 lakh limit and if i utilise 80k in the same card credit score will drop because 30% is calculated only with single card and not the total limit (Multiple cards) i have a proof for this
Thank you🌹🌹..
Yes right
No you’re wrong! She is right.
Who told you brother?? Have you ever checked your credit report??
You are right, I have checked once
Insightful. Credit jargon. 👍🏻
Thank you 😊🙌
Excellent information Very useful 👌
Thank you 😊🙌
Punjab National Bank ki date bata dijiye kitni he pnb kb credit utilisation ki date kb credit agency ko share krta he plz
Thank you di😊😊
Welcome 😊🙌
❤wonderful video real educative
Thank you 😊🙌
Nice Vdo.. Thank 4 Information
Welcome 😊🙌
Thank you for sharing about card, loan etc... knowledge...
Please share IDFC and INDUSIND bank credit card reporting date.
Indusind bank: 30/31st
Citi Bank: Bill Generation Date (May not be relevant from tomorrow)
Very good information
Thank you 😊🙌
Not just 30% rule. They will also see if your utilization is inconsistent with your previous history. If you have bumped up utilization this month compared to previous few months that will also result in dropping of your credit score by some points
Are you sure 30% rule is on all the cards combined or each card individually??
Yes
Its individually, as per GPay.
very informative
Thank you 😊🙌
Amazon Pay ICICI Credit Card report date is 30/31st
The title of the video doesn't match with the video content. I still didn't get any answer on when should I repay my credit card dues. I don't want to know the bill generation date, I want to know the bill payment date as said in the title of the video.
Bro take i simple example like your bill date or a statement date is 15 of every month then the shopping that you do 15 April then next month i.e 15 may will be the bill generated date then after bill is generated about 20 days Bank will provide a time period to pay that bill but my point is that you should keep in mind that you have only 15 days so you have to pay on 30 may then this cycle give most benefit to you because you use that money about 45 days.
Hopefully I am correct if not then please tell me also .
If you didn't get the answer to your question after seeing the video, then see the video again and try to understand it completely, rather than just looking for any particular date. The date when you should pay depends on both the card issuing bank & your bill generation date.
PS: Rules have changed now (since 1st Jan 2025). Now banks have to share your data every 15 days. On 15th and last day of every month. So plan accordingly. Either 1 day before bill generation date, or on 14th, or on 29th (27th for Feb).
Suppose I am purchasing a bike for 60% of my credit limit and i have money in the bank(using cc just for points). What is best:
Pay bill on next day
Pay on the day mentioned in video
Use debit card and ignore rewards
2nd option bro. But rules have changed now (from 1st Jan 2025). Now banks have to share your data every 15 days. On 15th and last day of every month. So plan accordingly.
Information is too good
I had multiple bank cards but dont growing my cibil iam using only 10 to 15 percentage of credilimit what is the problem ??
Will you please tell on which date of month union bank share credit utilisation to credit bureau? Please reply
End of the month
But from 1 jan 2025 , banks ko har 15 days mai cibil update karana padega.. ye news suni hain to ab kya karen ??
Me shopping krke jesa mall se bahar ata hu to mera bill ban chuka hota hai, sidhaa gadi me beth kr pehle pytm se credit card bill krta hu. Same day hi bill pay kr deta hu, statement banne ka time hi ni deta me
To buai cc se shoping kyo??
To kya arti utarne ke liye cc rkha hai
Bhai sun sab udhar ke liye cc use krte hai, me reward, discount, cibil bnane ke liye use krta hu, direct bank account se shopping krne acha cc se shopping kro. Kuch upgrade hi hoga, galat nhi hoga
@@SacchBolunga Me also using for cibil. 👍
SBI Credit card ka Bill 4 din late bhara toh 800₹ panelty laga Aur 48 points Cibil score down ho gaya...
😢😢😢😢
esa nahi hai ..jin ko cibil reports padhna ata hai wo khud dekh sakte hain date reported and certified bol k option ata hai report me.. and hr bank time to time change kar ta reheta hai
So can't follow it???..
Ma'am Flipkart ya phir Amazon pe kia hua No Cost EMI ko agar hum pre close karte hai toh jo No Cost EMI interest ka amount discount Flipkart amazon se milti hai use bhi pay karna hoga ya sirf principal Amount+3%+GST dene se hoga ???? HDFC credit CARD
3:03 yeh data Technofino channel ne pehle hi diya hai
why bro....
ur mic is branded but what happened to the sound....too low
Good credit score Video 🎉🎉Video nice
Thank you 😊🙌
This is the unique and very important information about credit card thankyou
Welcome 😊🙌
Me jo bhi creadit card apply karta hu vo sab reject ho jaate hai , mera cibil 766 hai fir bhi
771 ke upar kr
apply for onecard, its beginner's friendly card. later you can apply for other after few months
dont apply frequently
@@prasannakamath9972 bro one card to fd karne ko bolta hai , maine ek ke baad ek sare cards ke liye Apply kar diya tha
FD kra lo ase nhi milega Mera 800 h fir bhi nhi de rhe h mere ko
🎉🎉 naye kanun per ek video jo ki 2024 ke new credit card information.full longh video ho ni chai ye .🎉🎉mam😊!
We will try to cover this in our future videos.
4:00 where is Punjab National Bank ?
PNB reports to CIBIL on the bill generation date ..so pay before bill generation date
Could you please create a video about the Jio finance account? Thank you!
Sure, we will try to cover this in our future videos.
It's very opaque and unreliable score which is unfortunately given such an importance by financial institutions. They are not able to resolve basic things like When 2 banks merges, new bank account is duplicated and old bank account remains active even after closing the actual account.
Give example with date for SBI Credit Card
Why in your community website always says we ran into a problem your ip addresse is banned it says in my Home and friends allk phone and laptops over wifi and internet also
What’s the point of having credit card if I can’t use the credit card? I have used more than 50% of my limit too & have timely paid the bill. However my total usage was less than 50% of combined cards. My cibil is 790+. I seriously dont care if its 800+ or 780+.
What about IndusInd Bank ??
Mam mene 75rs ki payment miss kar di hdfc credit card ki 11 din late ho gyi hai cibil score down ho gyaa late payment ko hata skte h kya
now I understand why my credit utilization is 16 % on CIBIL and 8% in experian
Can you please cover standard charted and indusind banks
We will try to cover this in our future videos.
ICICI ke Amazon pay credit card ne Mera civil 880 pahunchaya.
Lekin Jaise hi maine ICICI and Kotak ka credit card band karaya aur uske sath sath HDFC credit card ka 99% utilisation Kiya aur uske sath sath Bajaj auto finance se gadi finance karaya Mera cibil 150 points gir gya
Earlier I used to keep my utilisation between 10 to 20% and my CIBIL was around 773 this month my utilisation was 60% and my CIBIL went to 781 after fluctuating between 773 and 774 for 1 and half year
🎉same huya
It reflects after 3 months
My 882 bro
@@A.kumar11 You pay after bill generation?
Any idea about HSBC ?
What if i have due date 10 or 20 for HDFC bank?
Mam what about SBM card !!!
Thank you
Welcome 😊🙌
I don't think aap exact date bata sakte ho ki bank konse date pe data send karti ha cibil companies ko🙏🙏🙏
One score par check karlo dikh jata hai ki kis date ko kis bank ne cibil ko report kiya hai
Credit card permanently block band karna h aur total payment one time karke finish karna h.baar baar payment nhi krna h ab
Kaise kya kare
I spend 2crs annually for feed purchases for my dairy farm business . Which card should i take for best cashback?
Amazon pay ICICI bank CC
Next time kindly mention about Canara bank credit card thank you for such information shared with us. 😊
We will try to cover this in our future videos.
I pay the bill of my cc after 30 minutes when i spend the money on any marchent 😅
Your score?
@@aronbtw1007 cibil 790 experience 820 🥹
Score batao
-250
@@aronbtw1007 cibil 780 experien 820
Mai toh ulta credit card ko jaada de kr rakhta hu😂phir mera cred score 810 m fluctuate krta rhta h...ek saal hi hue hai use kiye....jaise 100k limit h mai 30-40k use kiya product deliver hua payment kr diya ulta 2k-3k jaada kr diya phir cashback aaya uska 2k jaise wo alg....😂
what is the time for hsbc credit card?
Using credit card at 30 percent is mere wastage of time, why take credit instead pay directly
Excellent G
Thank you 😊🙌
Lekin unka kya jisne card limit ka 90 card par loan le rakha hai???
CC pe loan lene se credit score Kam ho jata hai. Lekhin, aap loan EMI pay it on Bill Generated Date only. It will slowly increase your Cibil Score
@@prashanthmba Ji bilkul...
Kotak ki to due date hi 23 hai mam So 30 ko kaise pay kare?
Aapko copy karne lage the sabhi .by aalko maine kabir Singh mein dekhaa thaa..SHAYAD YAA KISI MOVIE MEIN TO
Can you please cover Punjab National Bank
Sure, we will try to cover this in our future videos.
Is it applicable for FD backed credit card?
Yes .. Applicable to all sorts of credit cards & credit utilisation systems
Since I trust your videos and your suggestions I had joined your Bekifaayati community. But after joining I haven't received answers for my posts from your staff. In fact I have seen there are many threads which are unanswered.
Hey, sorry for the inconvenience.
But we don't have staff's appointed for answering, it's open for all community where anyone can answer your question including us.
We will try to answer it as soon as possible.
Me aisa karta hu or ye ek video me mane hi bataya tha me bill generate ke 2 se 3 din pahle payment kar deta hu ya fir man lo 50k ka mera amount bana or mere pass bill generate se pahle 25k hi he to 25k de deta hu to Jesse bill 25k ka aaye or bill generate ho gaya uske 2-4 din bad vapas use kar leta hu man lo 30 july ko due date he 50k dene he to ab mujhe agust ki 30 ko dene hoge.... mere cibil me credit utilization 15 se 20% rahta he
Ek trick he apka bill bana 50k ka apke pass 25k hi he due date bhi aa gayi to 25k dalo 25k vapas nikalo or 25k fir se dal do credit card me 50k ka bill bhr gaya ha nuksan he par us time ye socha nhi jata ye sirf jab kare tab kahi se pure paise na ho
But Charges bhi to bahut lag jaate hai is process me.
Bythewy is trick ke baad cibil kitna hai aapka
@@rakeshIND47 janta hu par kuch balidan to dena hoga ye cibil score ko sahi karne ke liye karna padta he or usse time bhi to jayda mil jata he
@@rakeshIND47 725 tha ab 779 he experian 777 he Equifax 796 he pahle 80% utilization rahta tha kabhi mera experian score 889 tha 656 hua ab 796 he
Any improvement in cibil ? In my case I'm almost use 60% limit payment due date se 2_3 din pele hi krta hu to mera cibil ek month me thoda down hoga next month fir increase ho jata hai bs aisa hi chl rha hai
@@rakeshIND47 bhai mera to apki tarh hi chal raha he abhi 4 month se pahle to sab sahi tha
Hi Ma'am, I am following your videos for more than couple of years and I really appreciate your work 😊. I have a question of which I am unable to find the answer after my utmost efforts. I hope you reply 🙏. How much time will it take for you to build a fair cibil score if you haven't took or borrowed any kind of bank loan in your life. Please make a video on this topic too.
Thank you❤
We will try to cover this in our future videos.
6 months
How can u pay bill before the bill is generated? U don’t know the amount na?
Mam sbm bank ke one card ka date khay hai sharing data with credit score company
Paisabazaar step up credit card SBM bank konsa day hai ??
What about federal bank?
What if someone changed the billing date?
What about SBM bank?
Mera IDFC credit card hai mera Bill generated hota hai every month 20 ko prof chayiye to reply karo
Does this mean autopay bill payment feature is a waste?
It's not waste. It ensures that you never miss your bill payment
Emi pe kuch liya hai credit card se tab mam ???
Hdfc Debit card anual Charge reversal ho sk ta hai 😢
Jis din bill generate hota h mai same day pay kar deta hu
I have a doubt
I'm an sbi cc user and my statement comes on 17th and due is on 7th of next month.
So if i pay my dues before 7th but i have used above 30% of cc after the 17th(unbilled), will my unbilled transaction be reported to cibil post 3 days of due date ?
Your billed transaction
Mera credit score 746 hai as per bajajfinser. But Mai jab credit card apply Kar raha hu credit score low Bol raha hai. Why this is happen?
Kam h bhai ya account me transaction chhote h
Does this apply to FD credit cards?
Yes...FD credit card ar also the same
Advance payment sey kitna points milega?
2:58 , any idea about HSBC cc ?
HSBC reports as on 30/31st data to CIBIL
Can I know canara bank?
Please help, what is the effective date of RBI guidelines on 3-days grace period after the due date of credit card bill.
I have checked that Card- issuing bank has charged me with late fees for payments made on Due Date + 1. I wanted to check when the RBI guideline came into effect so that I can follow up with banks accordingly. Many thsnks
Mera utilisation zyada hain or cibil gir raha hain..
SBM Credilio ka konsi date hai
I also want to know when does SBM bank shares its data with credit agencies
❤gajab ki chiz❤
Didi ....Apse contact kese ho skta h....Kuch financial problm m pd gaya hu kuch guidance chahiye