Best Day to Pay Credit Card Bill for 800+ Credit Score

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Best Day to Pay Credit Card Bill for 800+ Credit Score

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Күн бұрын

Best Day to Pay Credit Card Bill for 800+ Credit Score
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Пікірлер: 250

@Lalteyn Ай бұрын

30 seconds video turned into an 8 mins one

@sweetbunny321 Ай бұрын

But i bet you have to spend more than 8 months or years to check this data that it is correct or wrong

@daskmd Ай бұрын

Purchase anything and pay your bill after delivery of product or within 3-5 days.

@hrishabhjain933 Ай бұрын

Haa toh cheque se payment kar tu bhai

@daskmd Ай бұрын

@@hrishabhjain933 Paisa nehi hai to mat kharido, simple, or paisa hai to payment kardo do. Credit Card ki discount or cashback milegaa

@abhishek_the_realone Ай бұрын

😂@@hrishabhjain933mgr ku?

@CJhere Ай бұрын

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.

@manasranjandas7669 Ай бұрын

😂😂😂😂 @@hrishabhjain933

@prasannakamath9972 Ай бұрын

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.

@ketulpatel5833 Ай бұрын

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

@sayandey6136 Ай бұрын

Very true 😅

@ankitsaxena5966 Ай бұрын

Brother that is why she is saying pay before bank share data to credit Agencies....

@pranjalgupta621 Ай бұрын

Me too

@yashrankawat1193 Күн бұрын

i subscribed the channel a minute ago the imformation was awesome..keep going team bekifayati..

@bekifaayati 20 сағат бұрын

Thank you 😊🙌

@thunkwaltz5571 Сағат бұрын

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.

@umangsoni9663 Ай бұрын

Nicely explained Thanks for the information didi 😊

@bekifaayati Ай бұрын

Welcome 😊🙌

@vivekbaradiya Ай бұрын

@@bekifaayati thank you so much 😊

@arkabratabasu3154 Ай бұрын

I pay the bill of my cc after 30 minutes when i spend the money on any marchent 😅

@aronbtw1007 Ай бұрын

Your score?

@arkabratabasu3154 Ай бұрын

@@aronbtw1007 cibil 790 experience 820 🥹

@computerscienceresearch Ай бұрын

Score batao

@abhishek_the_realone Ай бұрын

-250

@arkabratabasu3154 Ай бұрын

@@aronbtw1007 cibil 780 experien 820

@arkapriyagupta.368 Ай бұрын

Great video. This was very much informative and useful.

@bekifaayati Ай бұрын

Thank you 😊🙌

@ashismajumder3675 Ай бұрын

@@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.

@raghvesingh1953 Ай бұрын

@@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

@sanyamshankar Ай бұрын

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

@arpanpramanik5935 Ай бұрын

🎉same huya

@arnab_bhowal Ай бұрын

3:03 yeh data Technofino channel ne pehle hi diya hai

@vinayakambig6224 11 күн бұрын

The best financial informative concern video,,, Good job 👍🏻👍🏻👍🏻

@bekifaayati 9 күн бұрын

Thank you 😊🙌

@gautam5817 Ай бұрын

🎉🎉 naye kanun per ek video jo ki 2024 ke new credit card information.full longh video ho ni chai ye .🎉🎉mam😊!

@bekifaayati Ай бұрын

We will try to cover this in our future videos.

@navneetpanwar Ай бұрын

Amazon Pay ICICI Credit Card report date is 30/31st

@rayveerrebel2000 16 күн бұрын

This is the unique and very important information about credit card thankyou

@bekifaayati 16 күн бұрын

Welcome 😊🙌

@jayanthmoram Ай бұрын

Indusind bank: 30/31st Citi Bank: Bill Generation Date (May not be relevant from tomorrow)

@monorulhoque4439 Ай бұрын

Next time kindly mention about Canara bank credit card thank you for such information shared with us. 😊

@bekifaayati Ай бұрын

We will try to cover this in our future videos.

@idkmax5977 29 күн бұрын

now I understand why my credit utilization is 16 % on CIBIL and 8% in experian

@rajasekharareddy8079 Ай бұрын

Excellent information Very useful 👌

@bekifaayati Ай бұрын

Thank you 😊🙌

@imcggh7654 16 күн бұрын

First time I saw someone taking through their hands 😂

@syedriyazahmed9347 Ай бұрын

What about IndusInd Bank ??

@sweetbunny321 Ай бұрын

Super Video. Keep it up 👍👍👍

@bekifaayati Ай бұрын

Thank you 😊🙌

@ShwetaKadam-gt5cn Ай бұрын

Insightful. Credit jargon. 👍🏻

@bekifaayati Ай бұрын

Thank you 😊🙌

@IronMan-471 Ай бұрын

4:00 where is Punjab National Bank ?

@r_gupta25 Ай бұрын

PNB reports to CIBIL on the bill generation date ..so pay before bill generation date

@abhishekjaiswal3673 Ай бұрын

Part 1 seems debatable My credit score dropped as my one credit card utilisation was 51% while others card utilisation less than 15%, average 20-25%.

@aniruddhanagchoudhury6905 Ай бұрын

❤wonderful video real educative

@bekifaayati Ай бұрын

Thank you 😊🙌

@kiirttinaagpal664 2 күн бұрын

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

@prachi-kc2cq Ай бұрын

nice insights 😄

@bekifaayati Ай бұрын

Thank you 😊🙌

@kamleshnagrani3126 Ай бұрын

Interesting how will anyone pay before even bill generation 😂😂

@bekifaayati Ай бұрын

One way is to pay as soon as you swipe your credit card

@kamleshnagrani3126 Ай бұрын

@@bekifaayati Maam many people don't have money they need time that's why they use credit card..

@RahulNatha Ай бұрын

@@bekifaayati Is it possible? I have no idea

@bekifaayati Ай бұрын

@@kamleshnagrani3126 just use it responsibly (utilization below 30%). That’s what credit agencies want

@kamleshnagrani3126 Ай бұрын

@@bekifaayati that is the best way to use credit cards 💳 agree 👍👍

@ShreyasKhansole Ай бұрын

Could you please create a video about the Jio finance account? Thank you!

@bekifaayati Ай бұрын

Sure, we will try to cover this in our future videos.

@thedreamer7923 Ай бұрын

Kotak ki to due date hi 23 hai mam So 30 ko kaise pay kare?

@gurpreetgopy1574 22 күн бұрын

Very good information

@bekifaayati 21 күн бұрын

Thank you 😊🙌

@spandanbarve1066 Ай бұрын

Simply dont use above 30% at all

@sudhansuparida600 Ай бұрын

why bro.... ur mic is branded but what happened to the sound....too low

@xXxakaXH 14 күн бұрын

I spend 2crs annually for feed purchases for my dairy farm business . Which card should i take for best cashback?

@AkshayPatel-sp2vl 13 күн бұрын

What if someone changed the billing date?

@sahjadshekh Ай бұрын

Me jo bhi creadit card apply karta hu vo sab reject ho jaate hai , mera cibil 766 hai fir bhi

@TheNationalist48 Ай бұрын

771 ke upar kr

@prasannakamath9972 Ай бұрын

apply for onecard, its beginner's friendly card. later you can apply for other after few months

@prasannakamath9972 Ай бұрын

dont apply frequently

@sahjadshekh Ай бұрын

@@prasannakamath9972 bro one card to fd karne ko bolta hai , maine ek ke baad ek sare cards ke liye Apply kar diya tha

@rajasthani62 Ай бұрын

FD kra lo ase nhi milega Mera 800 h fir bhi nhi de rhe h mere ko

@akcreation7803 21 күн бұрын

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

@bhavanraj6559 24 күн бұрын

Can I know canara bank?

@Zoot08 24 күн бұрын

My credit card limit is 1 lakh and I bought only health insurance on emi from it. And monthly bill approx 4000. Does it effect my cibil score in any way.

@JK-rh9cw Ай бұрын

Lekin unka kya jisne card limit ka 90 card par loan le rakha hai???

@prashanthmba Ай бұрын

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

@JK-rh9cw Ай бұрын

@@prashanthmba Ji bilkul...

@Maiman-cj2yd Ай бұрын

Thank you di😊😊

@bekifaayati Ай бұрын

Welcome 😊🙌

@YogenderKumar18 Ай бұрын

15-20 days hoti hai due daye most of the cards ki

@souravsaha8575 12 күн бұрын

What about SBM?

@Kumawat.m Ай бұрын

This will boom in credit score 😊

@suryanshu_ssr Ай бұрын

sbi ki timing sub se sahi hai.. humare payment karne k baad report bheji jati hai...

@computerscienceresearch Ай бұрын

Konsi date ko. Maine due date ke 3rd day pe bhara tho late chala gaya cibil pe

@nkdahare3776 Ай бұрын

Perfect because isme se 3 bank ko chod sare credit card ko use krta hu🎉❤❤

@nithinsree1 26 күн бұрын

How can u pay bill before the bill is generated? U don’t know the amount na?

@ujjwalpatel2624 7 күн бұрын

What about for sbm bank

@supriyogurey800 Ай бұрын

Mam sbm bank ka date bataiye please

@sumitgangwar8281 Ай бұрын

Mere pass bhi h

@NandaGovinda Ай бұрын

mostly as SBI

@umarkathab803 Ай бұрын

Excellent G

@bekifaayati Ай бұрын

Thank you 😊🙌

@darkwellwisher Ай бұрын

Can you please cover standard charted and indusind banks

@bekifaayati Ай бұрын

We will try to cover this in our future videos.

@Akshay19977 22 күн бұрын

Mera IDFC credit card hai mera Bill generated hota hai every month 20 ko prof chayiye to reply karo

@sunnyrcktar6059 Ай бұрын

Mere pass 2credit card h...dono m 30% use kiye to chalega..?

@kamtangy1 Ай бұрын

Mera already 800+ hai.

@raaga1994 Ай бұрын

Kaise re?

@Yash__ladiya Ай бұрын

Kaise hua bhai

@kamtangy1 Ай бұрын

@@raaga1994 time sai pay kar do mai 10 saal ek bhi payment late nhi huyi

@mohddilshad9249 Ай бұрын

Emi pe kuch liya hai credit card se tab mam ???

@jaswanthb8833 10 күн бұрын

what about hsbc ??

@NaveedKhan-dc1ig 3 күн бұрын

Sbm bank kab date hota hai

@bikebike01 Ай бұрын

Good credit score Video 🎉🎉Video nice

@bekifaayati Ай бұрын

Thank you 😊🙌

@andazunboxing Ай бұрын

Punjab National Bank ka data shearing date kya h mem

@themokap Ай бұрын

Does this apply to FD credit cards?

@jaishriram8299 Ай бұрын

Yes...FD credit card ar also the same

@ShreyParashar Ай бұрын

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❤

@bekifaayati Ай бұрын

We will try to cover this in our future videos.

@Arya_Rajput131 Ай бұрын

6 months

@spsingh5824 Ай бұрын

Before bill generation mtlb jb bill aya he ni toh pay kse krdy phle

@just_an_observer-k3r Ай бұрын

I have SBI credit card and my limit in 1.4 lacs but I want to buy a laptop worth 1.8 lacs which is obviously outside my limit, so is there a way to make this transaction on flipkart? I want to use this credit card because I am getting huge discount.

@yusufali-lw5qw Ай бұрын

Add 40k extra to it. Then u can pay

@just_an_observer-k3r Ай бұрын

@@yusufali-lw5qw Thanks bhai for confirming actually I was aware of this thing but wasn't sure whether it would work in SBI or not.

@just_an_observer-k3r Ай бұрын

So, I have to add 40k to my cc and then my limit would increase.

@yusufali-lw5qw Ай бұрын

@@just_an_observer-k3r yes

@framefairy.1 Ай бұрын

Yes you should pay extra 40K in advance to your card then your limit will be on higher side untill you utilise that balance@@just_an_observer-k3r

@piyushjain8167 Ай бұрын

Mam sbm bank ke one card ka date khay hai sharing data with credit score company

@rockonviju 14 күн бұрын

Sorry but it’s Not true for sbi… I’m utilising the amount around 80 percent and paying full amount before due date still my score is decreased by 25 points

@bekifaayati 13 күн бұрын

You should avoid using more than 30% of your credit limit

@rockonviju 13 күн бұрын

Agree but you mentioned @7:00 that sbi is sending data to cibil after due date so technically if I’m paying before due date then even if I used more than 30 % is good because I’m paying it before due date but I was wrong in any case I should not utilise more than 30%. Is this correct ?

@mohitsushmanainwal1338 Ай бұрын

Didi ....Apse contact kese ho skta h....Kuch financial problm m pd gaya hu kuch guidance chahiye

@wheels__world Ай бұрын

Mera utilisation zyada hain or cibil gir raha hain..

@nkdahare3776 Ай бұрын

Mera freecharge plus card bill generation pe report krta hai😅

@sharadkumar5344 Ай бұрын

CSB ko chhod kr baki sare card h mere pass

@the_name_is_aavesh Ай бұрын

Cibil kya hai

@aatagadhavi1171 Ай бұрын

One card na data ?

@vijay9t9 Ай бұрын

Thank you

@bekifaayati Ай бұрын

Welcome 😊🙌

@SONYTELECOM Ай бұрын

Can you please cover Punjab National Bank

@bekifaayati Ай бұрын

Sure, we will try to cover this in our future videos.

@user-hp4gt5ws5d 15 күн бұрын

Yeh BGM ka kya chakkar hein

@livevidyarthi567 Ай бұрын

THANKS

@bekifaayati Ай бұрын

Welcome 😊🙌

@rishusarswa8477 18 күн бұрын

canara bank ??

@ShubhamSharma-gg9bb Ай бұрын

Best credit card for cng?

@bekifaayati Ай бұрын

We will try to cover this in our future videos.

@babu8644 Ай бұрын

It's look arya game of thrones my 😍 fav

@sonuaryan5287 26 күн бұрын

What about SBM CREDILIO CREDIT CARD

@bekifaayati 25 күн бұрын

We will try to cover this in our future videos.

@shivamk898 Ай бұрын

ab ap sikhayegi hume ye sb ?

@bekifaayati Ай бұрын

Haan kyu nai

@ninjaarashii Ай бұрын

🙏🙇@@bekifaayati

@sankalpmahajan169 26 күн бұрын

How much credit cards one should have?

@chandru2kc 18 күн бұрын

It's upto you how much u can maintain

@sachinsharma-wc5xq Ай бұрын

Thankyou kiiiiiiiiiiiii

@bekifaayati Ай бұрын

Welcome 😊🙌

@SunilSoni-sn1ed Ай бұрын

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

@rakeshIND47 Ай бұрын

But Charges bhi to bahut lag jaate hai is process me. Bythewy is trick ke baad cibil kitna hai aapka

@SunilSoni-sn1ed Ай бұрын

@@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

@SunilSoni-sn1ed Ай бұрын

@@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

@rakeshIND47 Ай бұрын

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

@SunilSoni-sn1ed Ай бұрын

@@rakeshIND47 bhai mera to apki tarh hi chal raha he abhi 4 month se pahle to sab sahi tha

@tejas85670 Ай бұрын

Does this mean autopay bill payment feature is a waste?

@bekifaayati Ай бұрын

It's not waste. It ensures that you never miss your bill payment

@macklonfernandes4309 Ай бұрын

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.

@bekifaayati Ай бұрын

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.

@mayurmaheriya Ай бұрын

Au small finance credit card ka bhi date bata do

@Pathanarbaj0915 Ай бұрын

Can I pay axis credit card bill from cred app ass this not listed on BBPS ?

@SOHIL_9803 Ай бұрын

Yes you can , i am paying my axis card bill on cred app .

@mahirali988 Ай бұрын

kaun sa card behtar rahega

@jyothathi9566 22 күн бұрын

victim card

@SPK_kaushik Ай бұрын

What if I pay the bill before bill generation then what will happen?

@nikgautam Ай бұрын

Then you will be declared a fool because you can use 45 days interest free window.

@arpanpramanik5935 Ай бұрын

@@nikgautam😂😂😂😂😂

@vineetraja5364 Ай бұрын

2:58 , any idea about HSBC cc ?

@r_gupta25 Ай бұрын

HSBC reports as on 30/31st data to CIBIL

@Shubhausaha2004 Ай бұрын

Please make video of HDFC REGALIA GOLD NEW Credit card... Pls didi🙏🙏🙏

@bekifaayati Ай бұрын

We will try to cover this in our future videos.

@Shubhausaha2004 Ай бұрын

@@bekifaayati thank you

@tapossarkar5368 Ай бұрын

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?

@believeinyourself8932 22 күн бұрын

Kam h bhai ya account me transaction chhote h

@ahmedsabir1181 Ай бұрын

Rupay Card ATM support India 🇮🇳 🏧

@ankitsaxena5966 Ай бұрын

Means SBI is best 🎉

@dhirajsapkale9205 Ай бұрын

Ye to faltu logic hai. Agar manlo kisi ne I phone15 pro purchase kiya card se or uska limit hoga 2lac ok so approx 50% utilities hoga 😂 bichara sochega emi regular bhar ke cibil badh raha hai

@hiteshvora27 Ай бұрын

I don't think aap exact date bata sakte ho ki bank konse date pe data send karti ha cibil companies ko🙏🙏🙏

@Astitva1727 Ай бұрын

One score par check karlo dikh jata hai ki kis date ko kis bank ne cibil ko report kiya hai

@astranger626 Ай бұрын

Yes they are right I have SBI and HDFC credit card. HDFC 30/31 ko hi report karta hai. Ab bologe mujhe kaise pata kyunki main do baar try Kara 29 ko payment Kiya aur utilisation kam kiya aur 29 baad jitni outstanding bachi exactly utni hi report main dikhayi di.

@shortvideolover229 Ай бұрын

SBM KA TO APP NE KUC NAI BOLA😅😅😅

@Funn_Dey 24 күн бұрын

Kya koi hai jo muje 1 lkah ka lone de sake plz help ne

@Funn_Dey 24 күн бұрын

Yaar koi de do ya to fir koi upay btav jha se mil ske lone plz yaar

@Funn_Dey 24 күн бұрын

Bhot tension Mai hu main 😢

@Funn_Dey 24 күн бұрын

Jo bhi mera msj pade plz jvab de k Jana bhai 😢

@kiranrajaawate6629 Ай бұрын

Agar CIBIL score badhana ho to kyaa kare

@bekifaayati Ай бұрын

kzfaq.info/get/bejne/eLljbJCkuZ7Rm2w.htmlsi=uRPE0vBTmiDo88p_

@SacchBolunga Ай бұрын

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

@believeinyourself8932 22 күн бұрын

To buai cc se shoping kyo??

@SacchBolunga 22 күн бұрын

To kya arti utarne ke liye cc rkha hai

@SacchBolunga 22 күн бұрын

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

@believeinyourself8932 22 күн бұрын

@@SacchBolunga Me also using for cibil. 👍

@kartiksingh3900 Ай бұрын

Mera civil score 779 fir be credit card reject ho raha hai

@vamshiraj8 Ай бұрын

Total outstanding including loans and credit cards and CC utilisation.....is the main cause...plz check once..... I too have same issue with same cibil score 😊