Multiple Credit Cards - Good or Bad - EXPLAINED! Professor Cardz Hindi
Рет қаралды 6,005
Күн бұрынSo, hey guys, welcome back to another new video and we are going to discuss about the 23 credit cards I hold at this point today in my wallet. So, guys I am professor cards and I make content based on credit cards, debit cards, anything related to cards and how to optimise them to get the best benefit out of them.
Also guys I upload everyday content on X com. Or Twitter. And I request you to follow my profile over there, which is @professorcardz. I want to give one disclaimer that. Credit card is a payment instrument, and it is totally dependent on your credit worthiness whether you will first of all get a card or not. And even if you get a card and you don't pay the bill, you will end up paying a lot more than what you were trying to save at that. Moment of time so. Keep this in mind every time you use a credit card. If you don't, if you are not able to pay the bill amount. It is going to create a lot of debt on a very small-time frame. Hence. Do your own research before you apply or use any credit card and Please ensure that you are paying the full amount every time, not even a single time you end up Missing the payments even by a single day as every day you are not paying the credit card bills, it is going to rise exponentially and any benefit which ever you are thinking that you are going to get. That is going to harm you in the long run financially, mentally and your credit score or credit worthiness is going to go in the drain.
My 23 Credit Cards 00:00
Citibank prestige credit card Visa Infinite 01:10
Axis Atlas credit card Visa Signature 03:30
State Bank of India Air India Visa Signature credit card 06:05
HDFC Regalia Gold credit card 09:03
Axis Bank Vistara Infinite credit card 10:14
Standard Chartered Ultimate Mastercard Credit card 12:17
ICICI Bank Sapphiro American Express credit Card 13:35
American Express Membership Rewards credit card 14:17
American Express Platinum Travel Credit Card 16:30
American Express Gold Charge Card 17:50
IDFC First Bank select credit card 19:31
IDFC First Bank Power Plus RuPay credit Card 20:02
HDFC Marriott Bonvoy Diners Club International credit card 20:37
Federal Bank Imperio Visa credit card 21:23
ICICI Bank Amazon pay Visa credit card 22:17
HDFC Bank Tata Neu Infinity RuPay Select Credit card 22:35
HSBC Visa Platinum credit card 22:50
ICICI Bank Sapphiro Mastercard credit card 23:27
Axis Airtel MasterCard Credit card 23:34
Bank of Baroda Premier RuPay credit card 24:25
Kotak Bank Myntra Mastercard credit card 24:53
Kotak Bank League Visa Credit Card 25:40
Conclusion 25:50
Follow me for instant Updates on Twitter: www.x.com/ProfessorCardz
Reviews
Citibank prestige credit card Visa Infinite x.com/professorcardz/status/1...
Axis Atlas credit card Visa Signature x.com/ProfessorCardz/status/1...
State Bank of India Air India Visa Signature credit card x.com/professorcardz/status/1...
HDFC Regalia Gold credit card x.com/ProfessorCardz/status/1...
Axis Bank Vistara Infinite credit card x.com/ProfessorCardz/status/1...
Standard Chartered Ultimate Mastercard Credit card x.com/professorcardz/status/1...
ICICI Bank Sapphiro American Express credit Card x.com/ProfessorCardz/status/1...
American Express Membership Rewards credit card x.com/ProfessorCardz/status/1...
American Express Platinum Travel Credit Card x.com/ProfessorCardz/status/1...
American Express Gold Charge Card x.com/ProfessorCardz/status/1...
IDFC First Bank select credit card x.com/ProfessorCardz/status/1...
IDFC First Bank Power Plus RuPay credit Card x.com/ProfessorCardz/status/1...
HDFC Marriott Bonvoy Diners Club International credit card x.com/ProfessorCardz/status/1...
Federal Bank Imperio Visa credit card x.com/ProfessorCardz/status/1...
ICICI Bank Amazon pay Visa credit card x.com/ProfessorCardz/status/1...
HDFC Bank Tata Neu Infinity RuPay Select Credit card x.com/ProfessorCardz/status/1...
HSBC Visa Platinum credit card x.com/ProfessorCardz/status/1...
ICICI Bank Sapphiro Mastercard credit card x.com/ProfessorCardz/status/1...
Axis Airtel MasterCard Credit card x.com/ProfessorCardz/status/1...
Bank of Baroda Premier RuPay credit card x.com/ProfessorCardz/status/1...
Kotak Bank Myntra Mastercard credit card x.com/ProfessorCardz/status/1...
Kotak Bank League Visa Credit Card x.com/ProfessorCardz/status/1...
ICICI Bank Coral RuPay Credit Card x.com/ProfessorCardz/status/1...
@pratiksarangi Ай бұрын
Kudos to ur channel.. keep em coming
@ProfessorCardz Ай бұрын
More to come! Thanks for the appreciation.
@aJiET_HR 21 күн бұрын
I have 62 credit cards...... using very superiorly..... happy to see a person like me....❤
@ProfessorCardz 20 күн бұрын
Nice
@rajeshkumawat7448 18 күн бұрын
Bhai kyon jhut bol raha hai yaar , 62 kiske paas hote hai?
@epictetus__ Ай бұрын
Which one is best between Amex mrcc, plat travel and gold charge?
@ProfessorCardz Ай бұрын
Hey brother. Depends on your spending. If it's between 1-2 lakh combination of mrcc and gold charge.
@anjuripavansaikumar8756 25 күн бұрын
Can we book Marriott hotel rooms for others instead of Card holder with Amex points? I'm thinking to apply for Gold but I don't use Mariott hotels but the issue is it don't have fee waiver whereas I liked MRC card but 2X rewards is very low compared to 5X but it has fee waiver. What should i go for?
@ProfessorCardz 25 күн бұрын
The thing is you book rooms from your marriott account. not from amex account. you should be but let be research that and get back to you. Also MRCC is good but can also provide you with extra 2000 miles milestone benefits if you can spend 20000 per month over the 4x1500 per month.
@rajneeshgusain4808 Ай бұрын
Flight Jo complementary hai unmei tax bhi pay karne hote hai ?
@ProfessorCardz Ай бұрын
yes. taxes extra dene hote hae
@HemanthKumar-pr4qg 7 күн бұрын
Hi sir Please make video on Amex Platinum Card optimization
@ProfessorCardz 6 күн бұрын
okay. will make.,
@vishalprakash1971 24 күн бұрын
how did you get ICICI sapphiro amex card LTF? I have an upgrade offer right now but it's not LTF. Pls suggest
@ProfessorCardz 24 күн бұрын
It was offered along with Mastercard variant with my salary account
@dilipbhardwaj5391 Ай бұрын
Hotel stay k liye konsa card best rahega Amex already he, mera annual spend 3-4 lacs he
@ProfessorCardz Ай бұрын
Plat travel will be the best option. Book using rewards multiplier for accelerated rewards
@dilipbhardwaj5391 Ай бұрын
@@ProfessorCardz already travel & MRCC he, dusra konsa card lu
@rajneeshgusain4808 Ай бұрын
Marriot Mei F&b bhi points se pay kar Skte hai
@ProfessorCardz Ай бұрын
nehi. let me check and tell you back
@doctech3223 Ай бұрын
If i recharge jio via airtel axis bank credit card will i get only 1 %
@ProfessorCardz Ай бұрын
yes. However for non telecom spends you will get 10% upto Rs 250 per month
@ccgeek2002 20 күн бұрын
Where is sbi cashback credit card. Also is there any specific reason for it.
@ProfessorCardz 20 күн бұрын
I don't go for cashback as it's cannot be clubbed for a better redemption
@SanghPath Ай бұрын
Sir will you help me booking a international flight by your card
@ProfessorCardz Ай бұрын
Bro they may block your boarding if you don't have the card with you. It's can be a horrible idea
@mayuraglawe4600 28 күн бұрын
I think Credit life is not good for us. it is very bad habit to be dependable on credit card aap mahine ka hisab rakhna bhool jate hai aur zyada kharcha karte hai. it is better to close cards because reward points bhi kam kar diye hai aur redemption ke liye bhi charge lag raha hai.
@ProfessorCardz 28 күн бұрын
bilkul sahi keh rahe hae ji aap mayur ji. band kar dijiye aap apne sare card. gadi main bhi risk hae aaj kal bohot. accident hone ka khatra hae. kharab hone ka khatra hae. public transport main bhi bohot danger hae aaj kal. koi aake mar gaya to. isiliye accha hae ki ghar pe rahiye. par agar ghar ka chat toot gaya to fir kya karenge. jungle main rehna chaiye. par agar jangli janwaro ne hamla kar dia to? kya kare bataiye jara
@yasinraza2285 26 күн бұрын
@@ProfessorCardzEpic Reply 😂😂🤣🤣😅
@vishalprakash1971 24 күн бұрын
@@ProfessorCardz
@harshu346 Ай бұрын
Phele 2 cards se jada nahi dekh paya (jab ohele wale dono hi flights ke liye hai to do kyu liya) Itni badi video dekhi nahi jaegi 10-15 min ki video banaiye aur ye bataiye ki aap kese use karte hai aur pura paisa wasool hota hai ki nahi
@ProfessorCardz Ай бұрын
Yeh video lambi hae because the content was very high. Age vale videos chote honge
@shaikhsultan30 27 күн бұрын
Sir aap k total card ki limit kitni hy
@ProfessorCardz 26 күн бұрын
around 88 lakhs
@nisargable Ай бұрын
Total monthly ya annually spend kitna hai?
@ProfessorCardz Ай бұрын
Around 50-60k monthly. Annual will be around 15L for all spends including holidays.
@nisargable Ай бұрын
@@ProfessorCardz Thats why you can get worth from all spends.
@Krushna-9040 Ай бұрын
Mere pin code pe in banko ka service nehi hai ,nehi ta main bhi le leta
@ProfessorCardz 28 күн бұрын
aaspass ke koi city main hae kya?
@JigneshPatel-kx7gc 10 күн бұрын
I have applied through your referral link if my card get approved how will you give me 1000 rs?
@ProfessorCardz 9 күн бұрын
That's offer is over. Don't go ahead with the application
@JigneshPatel-kx7gc 9 күн бұрын
@@ProfessorCardz its okay i have applied for Amax smart earn card
@ProfessorCardz 9 күн бұрын
@@JigneshPatel-kx7gc nice bro. All the best
@sangmachhabra2761 8 күн бұрын
1 card
@ProfessorCardz 7 күн бұрын
2 card
@adityaabhishek6454 26 күн бұрын
I have 11 and my friends and family keep scolding me why you have that much blah-2 😅 soch rha tha kch close krunga lkn aapka dekh k lgta h 😂 thk h jita hai rehne dete h
@ProfessorCardz 26 күн бұрын
dekho the thing is if you are getting equal or better value with the card you should keep it. depends on the use cases.
@adityaabhishek6454 26 күн бұрын
@@ProfessorCardzexactly that’s the reason behind my all the cards 😊 and with cred it’s very easy to track down everything
@siddharthchaturvedi607 Ай бұрын
How much u spend yearly in total?combining all expenses via credit cards?
@ProfessorCardz Ай бұрын
Around 13-16 Lakhs. May be a bit more. Because I use CC for almost all tx where its available for usage
@siddharthchaturvedi607 Ай бұрын
@@ProfessorCardz then how you maintain these many cards?? Most of them are PAID & no way you can avail benefits of all those paid CC with 16 Lacs yearly spend.
@ProfessorCardz Ай бұрын
@@siddharthchaturvedi607 so let's start with prestige. Paid 11666 this year for upgrade and received 2500 miles plus 10k taj voucher. will be upgraded to olympus. stanc ultimate received 6000 points against 5000+ gst amex trifecta; 2 are FYF and gold is 1000 this year. received MR points as welcome benefit. will receive mr points again or close next year. atlas, received 5000 edge miles on joining and aiming for 15lakh spends for 5000 milestone + 5000 renewal benefit SBI AI Signature will receive 5000/20000 miles on joining fees whenever charged. Axis Vistara Infinite; business class voucher (23k approx value) primarily I use atlas and amex. SBI as secondary
@siddharthchaturvedi607 Ай бұрын
@@ProfessorCardz Thanks for reply. Appreciate it.Can you Please help me with below query . My AIM is for AIR MILE and ACCOR group points transfer. I have regalia gold , i am aiming for HDFC DCB but in case I don’t get HDFC DCB (since i feel HDFC is very rude and pathetic when it comes to customer service) Which other card i should aim for in case I don’t get DCB . Axis ATLAS? Or something else? Main AIM Airmile and Accor transfer Please Suggest
@ProfessorCardz Ай бұрын
@@siddharthchaturvedi607 axis is the only bank with Accor transfer. in miles again Atlas is one of the best as of now;
@mayurshh0 Ай бұрын
I have 24
@ProfessorCardz Ай бұрын
Nice bro.
@ameen6403 29 күн бұрын
I got 40 cards 😎
@ProfessorCardz 29 күн бұрын
congratulations brother
@ProfessorCardz Ай бұрын
There are 2 cards I forgot to add in the video. Total cards 24 including ICICI Bank Coral RuPay Credit card
@Tech_Academy88 Ай бұрын
I have 26 cards bro
@ProfessorCardz Ай бұрын
congratulations
@kohinoorsingh6 Ай бұрын
Itne mehnge card rakh kar bhi 100-1000 pane ki chindi giri to apse dekhe
@ProfessorCardz Ай бұрын
bandar kya jane aadrak ka swaad;
@kohinoorsingh6 28 күн бұрын
@@ProfessorCardz chidnigiri ka swad apko hi mubarik ho , main classy insaan hu , kash ap bhi vo ban pate
@kohinoorsingh6 28 күн бұрын
U might be earning more than me , par koi kitna bhi rich ho jayo jo core values hai insan ko vo change nhi hoti ,
@ProfessorCardz 28 күн бұрын
@@kohinoorsingh6 raju bangaya gentleman
@ProfessorCardz 28 күн бұрын
@@kohinoorsingh6 Zindagi ke safar mein guzar jate hain jo makam, Woh phir nahin aate, Woh phir nahin aate! Zindagi ke safar mein,guzar jate hain jo makam Woh phir nahin aate, Woh phir nahin aate
@Krushna-9040 Ай бұрын
Mere pin code pe in banko ka service nehi hai ,nehi ta main bhi le leta
@ProfessorCardz 28 күн бұрын
aaspass ke koi city main hae kya?
@Krushna-9040 28 күн бұрын
@@ProfessorCardz citi hai magar 350km dur ,
@ProfessorCardz 28 күн бұрын
@@Krushna-9040 ohhh. koi nehi. try kar ke dekh liya? koshish kar lo kabhi kabhi ho jaata hae.
@Krushna-9040 28 күн бұрын
@@ProfessorCardz amex bale approval kardia uske bat pin code ke bajah se mana kardia ,local adress proof of city mange ta main Nehi de paya
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