Should I own a Credit Card? Explained by CA Rachana Ranade

Рет қаралды 919,915

Күн бұрын

Download CRED and apply to be a member: app.cred.club/k63y/CARachana
In this video, I explain the myths about Credit Cards and how can one use a credit card in the most effective way. Always remember "Spend Wisely, Save Wisely"
What is covered?
0:00 Introduction
0:36 Are Credit Cards Good or Bad?
01:06 Credit Card Eligibility
02:50 Why Use Credit Cards
05:14 Wise use of Credit Cards
08:09 Where is the Problem?
09:37 Solution
11:13 Conclusion
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Пікірлер: 2 800

@CARachanaRanade 2 ай бұрын

✔ Invest in Knowledge: link.rachanaranade.com/CourseStore

@SathishKumar-hs8qh 3 жыл бұрын

The Ad I got to see while watching this video was CRED😂😂

@DebarunDas 3 жыл бұрын

Same xD

@amritroy8420 3 жыл бұрын

😂😂😂

@bhattsumeet 3 жыл бұрын

Haha yes same here

@thewierd_thewonderful996 3 жыл бұрын

Same 😂

@veteranoob5661 3 жыл бұрын

Next level publicity: 2 layers of promotion.😂

@anjanc6843 3 жыл бұрын

If you buy the things you do not need soon you need to sell the things you do need- Warren Buffett

@CreativeVibesYTx 3 жыл бұрын

Credit card se ghar ka ration bhi le sakte hai... 😛

@fintalks4305 3 жыл бұрын

💯

@harshadmungekarITSURBOYHM 3 жыл бұрын

@@CreativeVibesYTx kya pata he does not need ration also 😂😂

@avinashs.m3213 3 жыл бұрын

Omg it's so fu*king true 😱😱😱

@wassupbhavesh 3 жыл бұрын

that's why I didn't buy iPhone by selling my kidney, smart financial choice. 💯

@Simboy93 3 жыл бұрын

As a financially wise person, it is always recommended to swipe the other person's card.

@sourabhbagrecha 3 жыл бұрын

Can you please elaborate on the reason behind this?

@TheSocialSoul2.0 3 жыл бұрын

@@sourabhbagrecha bhai dusre ke paise waparne ka😭🤣🤣

@shama8490 3 жыл бұрын

😂

@ronin3799 3 жыл бұрын

True dat.

@rishabhmaheshwari7788 3 жыл бұрын

CA Sumit Menon

@dhananjaypal8498 3 жыл бұрын

A wise person once said "WE BUY THINGS WE DON'T NEED, WITH MONEY WE DON'T HAVE, TO IMPRESS PEOPLE WE DON'T LIKE". Not many will understand it until a decade later, with savings that is not enough..

@keerthikumar5490 3 жыл бұрын

Good 1

@azherkhan5677 3 жыл бұрын

Fight club.

@ajaybiswas22 3 жыл бұрын

Wise words

@sahilkinha1208 2 жыл бұрын

my father told me once dont make paying easily accessible to you,dont go to for shopping or anywhere out taking your atm,debit or credit card or best dont have them...because the more accessible spending money is the more you will spend or youwill have urge to spend on things you dont even need....he also told that imagine you have biscuite,barfi or any other snack jars in your home at different different places you are more likely to grab 2-3 snacks in a day,it will hinder with your fitness goal,your eating habits etc etc.........bank companies are vicious and smart they use psychology,targeted ideas towards our psychi,they dont care to give acess to easy financial transaction so as to make our life easier they want to make it easier so that we spend more because we become slave to our psychological habits

@danishsiddiq941 2 жыл бұрын

Smith said that i guess.

@dineshyadav_0123 3 жыл бұрын

As I find in all over video it's a Promotion of CRED app 😂😂

@udaykumarkachrola7494 3 жыл бұрын

Yes you are right brother but CRED app is very useful I use this app more than year . My experience is very good.

@hariishr 3 жыл бұрын

It's evident, it's a Collab video

@vijaymamoria 3 жыл бұрын

Free mein kaun kaam karta hai?

@HimanshuSharma-br8ix 3 жыл бұрын

I use cred and it's really a good app.

@ravitejakatari1986 3 жыл бұрын

There is no free lunch

@harshnayak101 3 жыл бұрын

Director be like : we could have simply done a voice over saying “download cred.”!!!😂😂😂😂😂😂

@stocker4321 3 жыл бұрын

Haan

@SuperDeadfamous 3 жыл бұрын

Best comment ever

@pranavmadhu123 3 жыл бұрын

Hilarious:D

@vishnusudarsanam5375 3 жыл бұрын

😂

@careshare5194 2 жыл бұрын

Credit Card के फायदे और कैसे सही उपयोग करें kzfaq.info/get/bejne/eKddh5uFxuDQaIk.html

@katrinaspencer9383 2 жыл бұрын

Last week, Warren Buffett talked in BBC news about how investors and traders can make millions through Crypto. He also recommended an expert Mrs Betty Harris. Wondering if any viewers here are familiar with her services?

@jarrodwilkins2918 2 жыл бұрын

All good investors are conversant with expert Mrs Betty Harris. She's unique in the field just got to keep her instructions and you excel

@morrisluka5402 2 жыл бұрын

Expert Mrs Betty Harris have an intellectual strategy that cut down losses. I have the best investment with the aid of Mrs Betty Harris . She's friendly and have easy to get along with in terms of signals and investing tips.

@jarrodwilkins2918 2 жыл бұрын

I thought I was the only one trading with Mrs Betty Harris, she's amazing and I've made close to $20,000 trading with her this month

@morrisluka5402 2 жыл бұрын

Her management team is so impressive so far.... With my 4k deposit I made a profit of over $28,800 US dollars

@cliffordlarry5983 2 жыл бұрын

Expert Mrs Betty Harris has aided so many newbies including myself. I've 12wins from forex trade with her help. Thanks to her strategies, she's really the best. I've made $16,400 in 18days working with her.

@adivlogs141 Жыл бұрын

From 6th standard every school should conduct personal finance period where a teacher like Rachna mam would literate every kids for the betterment of our future India

@ark7054 Жыл бұрын

Finance knowledge from 6th std ?? Don't you feel a little like those over expecting parents who flood their kids with study materials and tutorials at a very young age.

@adivlogs141 Жыл бұрын

@@ark7054 that's a different thing which in real life hardly applies, i think more practicality in learning help one to excel in whatever he is doing, to be honest study materials and rattabaazi is just garbage

@juststupid 3 жыл бұрын

Sponsored mark would really appreciated, it builds loyalty in audience and transparency as well. Genuinely like the video👍👍👍

@neelabh06 3 жыл бұрын

Yes, that was strange that she did not mention it.

@MayankVerma19 3 жыл бұрын

True

@Manoj-ef8ji 3 жыл бұрын

She knows if she labelled it as cred promotion people will avoid watching it.

@arpangoyal1092 3 жыл бұрын

Yes...this is not ethical...looks like promotional video without any tag of video being sponsored. Very bad

@arunroy9997 3 жыл бұрын

Actually....cred didn't sponsor it for her video ....u have mistaken...as a software developer in Google.... the yellow mark u find is where KZfaq put it's ads....our algorithms use the tag n content of video and put relavent ad for the video... that yellow mark is where our algorithms works

@vardhanbhatt6671 3 жыл бұрын

While I agree to the benefits you mentioned about having a credit card, I also want to highlight one downside of using one from my personal experience: - You tend to spend more - Since you don't have to worry about paying the CC companies right at the moment, you tend to buy things without thinking twice. - These CC companies exploit your privacy by exposing your spend pattern to third parties, making you vulnerable to more traps. - Businesses like CRED are built which also feed on such information and lure you into their platform by offering benefits. Always Remember: If the service you are using is FREE, it means YOU are the PRODUCT. In the end, it's you choice, choose wisely.

@harshithv8286 3 жыл бұрын

👍👍👍👍 very well said

@HappyestMoments 3 жыл бұрын

Why anyone would need CRED app when u can easily opt for AUTO DEBIT option to pay your dues on time. And, I mostly use credit card for no cost EMI. In no cost EMI, u have to extra 18% igst on the interest only. And, it improves credit score too. Well, debit card and credit card makes no different for me.

@nitinsatra559 3 жыл бұрын

Bro in digitally world, each and every data is Sell. So it GAP (generally accepted principal)

@dametocosita4994 3 жыл бұрын

That's why need to have financial discipline.

@sv6856 3 жыл бұрын

Wow underrated Comment

@anamakaveekshaka 3 жыл бұрын

This airport thing happened with me also. Though I was traveling with an economy ticket, because of my credit card I had access to business class style lounge. They even have bathrooms to shower with free packs of toiletry including shaving kits.

@careshare5194 2 жыл бұрын

Credit Card के फायदे और कैसे सही उपयोग करें kzfaq.info/get/bejne/eKddh5uFxuDQaIk.html

@songjack7129 3 жыл бұрын

hello I'm new to Bitcoin trade and I've been making few loses, but recently I saw a lot of people earning from it. can someone please give me a new strategy or at least tell me what I'm doing wrong?

@johnahmadmohammed4283 3 жыл бұрын

Most time having knowledge or insight about a particular activity can as well be a pleasing exercise. I can boldly say that forex and crypto trading is one of the profitable money exchange services that elevates investors and their financial status.

@ahmadjackson3368 3 жыл бұрын

That's true most people today have been having a lot of failures in forex and crypto sector because of poor orientation and bad experts

@adamdouglas3110 3 жыл бұрын

I did invest with her and I made huge profits

@parkinson098 3 жыл бұрын

I saw some recommendations about her on Instagram but i just ignored, Where exactly did you meet her?

@nickcarroll372 3 жыл бұрын

my cousin recommended her to me. He has been investing with her for some months now, but he earns just 60% of whatever he invests in a week which i think its too low, I've seen other traders who offer to give you 300% of whatever you invest

@niteshm6 3 жыл бұрын

You missed 1 point. You can get credit card without any income or ITR or Cibil score. There are some banks which provide credit card on FD.

@soumsgaming238 3 жыл бұрын

Mere pas 1 ITR hain

@CCC-hc4cx 3 жыл бұрын

But CRED may not want them as customer! That's the whole point of the video.

@Kunal3824 3 жыл бұрын

@@soumsgaming238 sufficient

@sudarasanan 3 жыл бұрын

I bought SBICARD share instead of buying its Credit card.

@lankeshbisen 3 жыл бұрын

me too bro, still holding it

@nikhil99a 3 жыл бұрын

Becoming a business owner than a customer

@Yogi1303 3 жыл бұрын

Same here....🙏

@shaileshpol6343 3 жыл бұрын

Its a stupid logic .... understand why you need a credit card

@maitlandmandela2368 3 жыл бұрын

I have good credit card with me here you can text me on my gmail or number on telegram

@junaidbagwan5523 3 жыл бұрын

Credit cards breaks your saving habit, rewards companies giving on using the credit cards are nothing compare to saving and investing your money rather than spending it on unnecessary things.

@Yaduvanshi_yt 3 жыл бұрын

It's all about discipline

@t.s.p1864 2 жыл бұрын

It's the best capitalism product but if have a spending discipline it's good.

@careshare5194 2 жыл бұрын

Credit Card के फायदे और कैसे सही उपयोग करें kzfaq.info/get/bejne/eKddh5uFxuDQaIk.html

@jeevan88888 2 жыл бұрын

@@t.s.p1864 Its neither good if you think yu have a spending discipline, psychology always wins and you will end up spending sooner or later on unnecessary stuff.

@UjjwalAgrawal04 3 жыл бұрын

Fun Fact : No matter how many videos u watch about wise spending on credit card u will spend more in the beginning and slowly and slowly u will develop discipline

@krishnamohanTalari 3 жыл бұрын

hahaha

@dr.shubhabeloor9326 3 жыл бұрын

Truly true...!!!

@enidjudithdsouza 3 жыл бұрын

Your content is otherwise honest. Why didn’t you mention this is a sponsored video? A bit disappointed as I religiously follow your work

@Avant9494 3 жыл бұрын

But what is wrong if she is sponsoring someone. She sponsor zerodha also many times

@enidjudithdsouza 3 жыл бұрын

avant jain there is no issue in sponsoring the video, but there is also something known as being transparent with audience. Even a sponsored tab on the video would make sense. That’s the least followers expect from content creators

@Avant9494 3 жыл бұрын

@@enidjudithdsouza in my opinion , sponsoring a company in which you yourself believe and that is genuinely good , is not bad

@flashtiger8246 3 жыл бұрын

Guys, can someone create demat and trading account in groww... Kindly Plz do reply! 🙏🙏

@ArunVinayakc 3 жыл бұрын

@@flashtiger8246 yes, you can. But I feel this app is good for mutual funds, intraday trading charges are there

@diwakarkumar7369 3 жыл бұрын

Ohh, men!!! First of all, she is earning from credit cards and then from the CRED, and then from the video... OMG!!! She is not a CA(chartered accountant) she is a clever accountant 😂😂🤣🤣😂 just joking she is putting soo much hard work into her videos. So that people like me who don't know ABCD about finance can understand things easily.... appreciating ma'am.. thanks stay blessed!!👍👍

@JmJunior05 3 жыл бұрын

bro....actually there is no joke....

@akintolaolamide8645 2 жыл бұрын

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g.

@diwakarkumar7369 2 жыл бұрын

@@akintolaolamide8645 great!!!

@akintolaolamide8645 2 жыл бұрын

@@diwakarkumar7369 message them they we help you out

@prahlad8 3 жыл бұрын

Credit cards are not required: 1) reward points an d lounge access are just bait to get into that vicious cycle of credit 2) read the conditions carefully check website many banks charge as high as 3% per month that's 36% p.a do really want to pay that interest ? 3) I don't see any real benefit ultimately you will have to pay from your savings account 4) with all due respect what mam mentioned is just digging one hole to fill another 5) lounge access :unless you travel frequently it's not required if Ur co paying for it then okay 6) unless you have a high financial decipline having cc one will end up paying more interest spending more ultimately a poor financial situation it's like an addiction Solution : don't buy CC unless you have control over spendings as Warren buffet says if you keep buying stuff what you don't need you will end up selling what you love give a thought

@jayntdhhond4176 3 жыл бұрын

Ur way of looking at credit card spending is different. I've control on my spending so I use it only to earn rewards or to earn money on that money

@fanilseth8208 3 жыл бұрын

I have been using a credit card for only a year and I have got amazing discounts and offers along with cashbacks which I would not have received had I paid using my savings account...it really is important for you to know the benefits of your card to take full advantage of it... If you are careful enough, you can avail benefits..

@mohammadrafi8103 3 жыл бұрын

Nice thought approach 👌

@prahlad8 3 жыл бұрын

@@jayntdhhond4176 Plz re-read my 6th point

@prahlad8 3 жыл бұрын

@@fanilseth8208 "careful enough" is unfortunately not understood by many i have seen ppl using till max and end up paying 50% of thier salary towards CC

@swaroopnachu4934 3 жыл бұрын

You are clever maam. You are promoting a company at the same time providing quality knowledge to your students😊.

@amolghotale9293 3 жыл бұрын

Very true...😅..she is a smart business woman

@vinaydhondale1598 3 жыл бұрын

Agree

@swaroopnachu4934 3 жыл бұрын

@@elizabethmary7013 I don't have

@saurabhgoswami1989 3 жыл бұрын

Very true she is actually promoting cred app

@maheshgehani3750 3 жыл бұрын

Cred - I am using this app since last 2 years but still have fear about their credibility and planning to remove it, they rewards initially good but now they rewarding me like 10rs, 7 rs etc. I mean just to earn 10 rs i am giving them all my personal details of credit cards. so Scary. it could be the big scam and they are promoting their app by youtubers, youtube ads and on TV etc.. BEWARE!

@mariajanet666 3 жыл бұрын

I have been watching some videos and I was thinking about investing, but still don't know where to start from, any recommendation?

@adamsdouglas7911 3 жыл бұрын

It's strange how people talk about all the profits, they've been making through trading of bitcoin, while am here not making any profit at all. Please can Someone put me through on the right path.

@megankelly9299 3 жыл бұрын

@Belle Joyce That's true most people today have been having a lot of failures in forex and crypto sector because of poor orientation and bad experts

@jerrytyler7324 3 жыл бұрын

You don't make money on forex or crypto by holding your coins rather you trade to make gains

@alexenderjack8330 3 жыл бұрын

@@jerrytyler7324 I believe your view

@beverlyclara7591 3 жыл бұрын

The fruitfulness of your trading lies on the account manager or the expert

@mandarkulkarni143 3 жыл бұрын

Still not convinced to use Credit Cards. Does not seem to be of any need for me.

@niranjan286 3 жыл бұрын

Try Flipkart Axis Bank or Amazon pay ICICI Bank credit cards. If you use it like a debit card and pay full amount every month, you can save a lot. The latter comes free of cost. If you have control over your spends, credit cards are best.

@kalidasdor4 3 жыл бұрын

@@niranjan286 Exactly.

@phunsukvangdu2219 3 жыл бұрын

why to go for chicken or paneer tikka when you can eat dal roti daily? no need right?

@niranjan286 3 жыл бұрын

@@phunsukvangdu2219 Not a relevant comparison.

@phunsukvangdu2219 3 жыл бұрын

@@niranjan286 come on...relevance is not the only thing one always looks for... 😁😁

@issaaczala5125 3 жыл бұрын

Undoubtedly purely sponsered by CRED. Viewrs taken for granted !!!

@0hmkar 3 жыл бұрын

so? you have a problem with that?

@issaaczala5125 3 жыл бұрын

@Lakshya Keshwani where is the criticism ? Read comment again carefully. Figmentation !!!

@user-cf5su4te9s 3 жыл бұрын

@@0hmkar CRED is such as scam :) they wont process your payment properly failing transactions and making money out of it is their business. you don't have option to delete CRED account. i never thought you have promoted this for your own gain lol. wondering if i could delete my personal details from CRED, - just go over Quora people are screaming

@nitishcarlin1926 3 жыл бұрын

A very wise person would read the description, no one works for free, instead of complaining.

@noopurp123 3 жыл бұрын

@@user-cf5su4te9s Not for me. Works everytime I use it. And I have been using it for 1 year now.

@trendingreelsy 3 жыл бұрын

The airport lounge part you explain. That's cute. And your every explain so realistic. I.e why I like your content. And it's absolutely worth my time. Thanks

@manikachhabra8055 3 жыл бұрын

Hi Rachna, Otherwise Your content is really useful. But with this vide, i think, as a responsible leader( you are a leader for me, if you invest in something, i follow you and do that), you should also tell your viewers about the fees that credit card company charges. Although there are credit cards which do not charge anything but at the same time they do no offer services like complimentary movie tickets and lounge. On the other hand, i think the only benefit of using a credit card is extended period of making payment. Because other benefits that are considered in the video are also available on certain debit cards. P.S these are only my views and i do not challenge what you have stated. I have deep respect for your thoughts n knowledge.

@annishbrislin7913 3 жыл бұрын

My personal experience - before few years had 4 credit cards with zero savings and now zero # of credit card with more in savings.

@soniagupta1798 3 жыл бұрын

😅😂

@devmishra9936 3 жыл бұрын

True .......👍👍👍

@Sanjeevkumar-hj2zv 3 жыл бұрын

Same situation is with me...

@niranjan286 3 жыл бұрын

Credit cards are always better but we should use it like a debit card. Never buy unwanted stuff.

@digitalmaximpact Жыл бұрын

Great

@AkshayMadavi 3 жыл бұрын

Am i the only one here who is Jobless and watching this😂🤣

@aaravahluwalia2877 3 жыл бұрын

a student here....

@pawan4800 3 жыл бұрын

😂😂same here

@rahuldp2094 3 жыл бұрын

🤚

@joshuajohn5549 3 жыл бұрын

Best of luck buddy!

@SreehariPunnayyavempati 3 жыл бұрын

Even I am

@nikhilthakur6944 3 жыл бұрын

I'm working in credit card company. And I'm doing everything from last 3 years which you saying. But that FD option for small period is new. I will do this too. 😂

@adityasehgal6654 3 жыл бұрын

Amazing information provided Rachana, you clear everything in this video. Keep it up

@snehalparikh2206 3 жыл бұрын

Most important part of credit card missed. Renewal fees. Mostly people forgot to spend minimum balance and end up in paying auto renewal fees.

@iqbalsingh6425 3 жыл бұрын

Ask them to reverse it and they generally will. But then I have a Credit Rating of around 870+. Not that Credit Rating matters, it's more of a scam. How does paying my monthly CC bills of around 20-30 k per month make me eligible for a lower interest rate for a 1 Crore house loan is a mystery to me. And the three rating agencies have vastly different ratings. Half cooked bullshit for marketing being pushed. Or return the Credit Card (or threaten to). The same Credit is available with some Zero Annual Charge Card too.

@nileshchavan2735 Жыл бұрын

The credit card interest is always high. If you want save our money and want to invest in any market and looking for profit or good portfolio. So i think we don't go for credit card due to high rate of internet.

@RaviKumar-of3rs 3 жыл бұрын

I think this video indirectly direct promotion of CRED app.

@swapnilpingale5234 3 жыл бұрын

Yes she has already mentioned when it start

@nitishcarlin1926 3 жыл бұрын

Read the description.

@Arjun-ll7zg 3 жыл бұрын

Video quality is too good and nice use of graphics , and starting and ending of video is too good too. I loving your videos. Kudos to you!

@KrishnaChaitanyaUppuluri 3 жыл бұрын

Credit card can also be used for some of online services like Netflix, Google one, AWS or Azure monthly bills. So that you will pay for these on time even when your income is not on time. And one place to manage all your subscriptions finances etc...

@Joy25k 3 жыл бұрын

add-on : lounge access with no cost is available via Debit card as well

@Oceansta 3 жыл бұрын

That's true but only for certain high-end cards where you need to maintain a pretty high Average Monthly Balance. Remember, there's no such thing as a free lunch :P

@Joy25k 3 жыл бұрын

@@Oceansta True!. only visa, platinum mastercard have this facility.

@rakeshsahotra 3 жыл бұрын

Plz make a video about real side of brokerage charges of all trading platforms.

@sujitchorghe41 3 жыл бұрын

Exactly .

@sabs0083 3 жыл бұрын

I paid my last bill through CRED and strangely when I received my CC statement this month I found my last payment was reversed , ie basically this month's statement included last month's spending. There is a GST involved , pls explain its a percentage of what factor ?

@Weekends_explorer 3 жыл бұрын

I liked the word Financial Discipline, if anyone says kanjoos we can say that it is not konjoos or anything but a financial displicne 👍🏻

@akintolaolamide8645 2 жыл бұрын

@eagleexperiments9392 3 жыл бұрын

5:03 that smile & spark in our eyes when we get free food & benefits

@shrikant1989ful 3 жыл бұрын

फुकट ते पौष्टिक! 😄

@dhanushm419 3 жыл бұрын

its free even when we use a debit card.. every payments company has specific airport lounges in the "free access" list. This includes Rupay also

@mohitdhoundiyal007 3 жыл бұрын

@@dhanushm419 correct.. Top platinum debit cards of most of the banks give free lounge access.. Usually its 2-3 times every quarter.. I am using sbi platinum debit and axis priority debit card for the same

@naveenmanral2784 3 жыл бұрын

"do you want to play cards with your credit cards" after this look at the reaction ...hahahaha 😂😂😂👌🤣 not able to stop laughing

@christinerebello627 3 жыл бұрын

I like your ability to explain things while coming down to any level..very clear explanation

@sudhiirkrishnan 2 жыл бұрын

There are several videos on KZfaq that are sponsored. Without sponsorship these videos would not be possible. But great knowledge and great learning. Thanks rachana mam. Good job. You are a great teacher. I learn a lot from your videos

@aquablooms 3 жыл бұрын

You are so funny now a days in opening note of the video.....hahaha

@vinodbabu4129 3 жыл бұрын

Loan Own Phone

@prabusp6671 3 жыл бұрын

Absolutely 😂

@deepikadeepz9774 3 жыл бұрын

That's soo true

@karthikpuligilla9313 3 жыл бұрын

@@vinodbabu4129 ..... Good that's the beauty of conversation....I love it.

@anand8576 3 жыл бұрын

Bana oadtha hai tum jaise ko chutiya banane le liye. Retailers ko aise loot they hai

@gauravagarwal6735 3 жыл бұрын

visa signature cards and rupay platinum cards also offer domestic lounge access

@shashik4706 3 жыл бұрын

Lounge Andre yenla gaurav agarwal

@RahulParikh87 3 жыл бұрын

This is a smart promotion video of the Cred.

@hunnybunny101 3 жыл бұрын

She didn't disclosed her credit card company name, but you can clearly see it in the thumbnail of the video 😂😂😂👍

@MCQ9999 3 жыл бұрын

Kisi ko credit card lena h kya

@adityab10 3 жыл бұрын

Wat a sweet and simple vdo mam..thanx very much rachna mam...

@saivarun7100 3 жыл бұрын

@ Elizabeth....then why don't you built ur empire with that? 😂

@star-scream 3 жыл бұрын

If you have 2 two cards, one yours and other is husband's, it's always beneficial to use his irrespective of billing cycle :D

@deepakpatil5655 3 жыл бұрын

😁😁😁

@sonamdeshpande7281 2 жыл бұрын

aisi aurato ko 'husband ' hi nhi milna chahiye 🤨🥴

@jvbenjamin 2 жыл бұрын

Ma'am your way of explaining is very good. You manage to retain attention of listeners. :) Thanks.

@vijayd313 3 жыл бұрын

I love the way you shared this lounge experience! So true and full of innocence.

@careshare5194 2 жыл бұрын

Credit Card के फायदे और कैसे सही उपयोग करें kzfaq.info/get/bejne/eKddh5uFxuDQaIk.html

@dontknowyet7503 3 жыл бұрын

I have used it for 2 years and recently i asked them to delete my account, because of below reason, 1. When i joined there was no credit score criteria to be eligible 2. They have accessed my credit score with out my permission and i think if the app is only for payments then they should stick to that. 3. And the reward points which i have earned before deletion of my account i never used them as the discount which they offer is regular market discount 4. The products which they advertised are never heard of it. 5. I would have continued to use this app , only if it is credit card management and payment.

@HK-rp6zc 3 жыл бұрын

This is information era bro your info is someone's wealth so be safe and careful try not to share anything on internet.

@maheshgehani3750 3 жыл бұрын

Think twice before applying directly! Cred - I am using this app since last 2 years but still have fear about their credibility and planning to remove it, they rewards initially good but now they rewarding me like 10rs, 7 rs etc. I mean just to earn 10 rs i am giving them all my personal details of credit cards. so Scary. it could be the big scam and they are promoting their app by youtubers, youtube ads and on TV etc.. BEWARE!

@HK-rp6zc 3 жыл бұрын

@Siddhesh Parulekar without customer consent no one can't access any database.its a crime

@HK-rp6zc 3 жыл бұрын

@Siddhesh ParulekarHere you go (Under section 72A of the (Indian) Information Technology Act, 2000, disclosure of information, knowingly and intentionally, without the consent of the person concerned and in breach of the lawful contract has been also made punishable with imprisonment for a term extending to three years and fine extending to some amount). While you are entering detail and clicking agree or submit you are giving ur concent. Sorry to say my friend people just ignore and give these things easily and company misuse that

@HK-rp6zc 3 жыл бұрын

@Siddhesh Parulekar bro it's on you whether to file law suit or not you asked for law i shared this to u . I think you don't know about that earlier.I am from IT field and I know how they operate 😅😅 One more thing for good cause everyone start with one and people joined automatically. If i file lawsuit you will definitely help me or support me on my petition I am correct.

@bijuldesai3097 3 жыл бұрын

I guess you should explain difference between a)Minimum amount due VS total amount due b) Intrest rate calculation c) Credit card shield charge ....Thank you

@srikanthgollamudi8354 3 жыл бұрын

The most important benefit of a credit card is when you make online purchases and then go to have a dispute reg the product. You can stop the payment if it is well within your billing cycle or put a hold on the payment this usually force the vendor to settle the dispute as his money is locked. The other benefit is sometimes there is free insurance. For Ccidsntal death.

@manojc9339 2 жыл бұрын

Hello Rachana, Is it better to pay electrics, water, dth, mobile recharge, restaurant, etc. bills with credit or debit? And which is more rewarding and secure? Also, If I recharge my wifi fiber taxes are applied so how can I minimize these taxes?

@prakashmorye 3 жыл бұрын

The happiness when you ate that food in the airport lounge :D

@shubhamgawand4953 3 жыл бұрын

I got that Yummy Yummy yeah,...!!!! 😂

@sumittiwari3853 3 жыл бұрын

which card btw?

@thegamerspit6160 3 жыл бұрын

Rachana Di trying to Rap. In the opening note ❤️🔥🔥

@Vedrajrm 3 жыл бұрын

4:59 “I just had my dinner” but where you’re getting free food 😂😂

@MCQ9999 3 жыл бұрын

Kisi ko credit card lena h kya

@omprakhashmudaliar 3 жыл бұрын

😂😂😂

@liveandletotherslive.5458 3 жыл бұрын

The way you explain and the expressions very good it doesn't feel bored, You explain in a very easy way. Thank you for giving such a good information.

@pushkarsaini9874 3 жыл бұрын

I'm using the cred app from last two years , they even sent me cake on my birthday 😁

@mithunnair8587 3 жыл бұрын

Oh nice yaar♥️🔥

@chirag_cc 3 жыл бұрын

G chhatne ki ninja technique😂😂😂😂😂😂😂😂😂😂😂😂

@holysupermichael 3 жыл бұрын

Lol

@gani_gani3 3 жыл бұрын

Is it real ??

@sourabhbagrecha 3 жыл бұрын

which company?

@arkadeephalder581 3 жыл бұрын

There are different benefits to owning a credit card. One of which is that the card limit amount can be used as an emergency fund. A lot of emergency situations may come up when you may not have funds with you where you can use your card to make payments. For example hospitalization charges, emergency travel plans, etc. Credit cards can come in handy in those situations, especially at the end of the month when you are short of funds.

@commonmansfitness882 3 жыл бұрын

You are doing a fabulous work by providing financial literacy

@Weekends_explorer 3 жыл бұрын

10:10 Honestly tell us if you searched CRED or CRED searched you,

@nikitag421 3 жыл бұрын

Omg...u r simply mindblowing! You sharing so many insights and thus actually doing a sort of social service. Really appreciate your passion and attitude. God bless you with more and more holistic abundance

@adarshmishra6407 3 жыл бұрын

Why to take loan, to own, a smartphone!!! Loved it😍🤣

@SKumar-rd7fl 3 жыл бұрын

There are so many apps which has very well organized payments reminders. And for credit cards , they never let you forget. One gets too many reminders for payment through emails and SMS. But well, the overall contents is great in this video. With or without CRED !!

@simplyshekhar 2 жыл бұрын

Hello Ma'am.. Your videos are really good.. Regarding Credit Cards, I see one thing common in the way the banks generate Monthly Statements which usually dont show the Amount Spent in the last 1 month (they dont add up to the effective amount = debits - credits (if any)) but rather confuse with so many columns amd rows and terms like Minimim amount to be paid etc.. Whats your take on this .

@nikhilraj418 3 жыл бұрын

I installed cred and then uninstalled it, as I found they had access to my SMSes, mails etc. And it was required.

@d_techterminal 3 жыл бұрын

There's a simple point. If you're not paying for the product, you're the product!

@DURGESHKUMAR-mr8yt 3 жыл бұрын

man has SBI ELITE CARD which has 2 complimentry movies tickets every month

@SUNANDODAS 3 жыл бұрын

Koi pucha?

@xceed9462 3 жыл бұрын

@@SUNANDODAS then why are u giving him attention?

@awfuldoom 3 жыл бұрын

Boycott bollywood

@roshhack 3 жыл бұрын

And that man is Ma'am

@71gaurav 3 жыл бұрын

rbl ka money tap card b deta hai, 1 pe ek free . 2 movie ticket per month

@sarthaktodkar112 2 жыл бұрын

I'm 19 and I just owned a credit card today 🍻, watching the correct way to use it and being financially literate 🤓out there...this Video was very good, it just removed my fear and now I am gonna use my credit card responsibly..

@tejasinipanda7860 3 жыл бұрын

Wow..Thank you so much ma'am for the information and Loved the way you explained..Stay blessed😊😊

@chandandubey9670 3 жыл бұрын

Who has a time to calculate at every step of spending

@krishnakanths6399 3 жыл бұрын

CRED is good Particularly the reminders Almost 4 from bill generation till the due date, it is more than enough to not forget and the rewarding is exemplary. Good information. Thank you madam for the Video.

@kumar561 3 жыл бұрын

Yah they sell all the details n make money now they r sponser in ipl..no offers nothing now

@rathnavelnatarajan 3 жыл бұрын

மிகவும் பயனுள்ள காணொளி. கேளுங்கள். எளிய ஆங்கிலத்தில் நன்றி CA Rachana Phadke Ranade

@vrushabhkangale2898 3 жыл бұрын

Hey Could you please let me know which one is the best credit card for first-time use and get almost all benifits?

@pawanmahajan2816 3 жыл бұрын

मॅम कृपया एक सविस्तर व्हिडिओ Foreign markets मध्ये कशी investment करता येते, भारतातून काय काय पर्याय सध्या उपलब्ध आहेत याच्यावर बनवला तर बहुतेक लोकांना त्याचा फायदा होईल🙏🙏🙏

@codeinventory1836 3 жыл бұрын

There are lots of Internation mutual funds in India, you can make use of that.

@rajatgattani5152 3 жыл бұрын

CRED has top notch UI. Haven't seen such class A app in a while.

@harshadfadadu9269 3 жыл бұрын

Agree +1 UI is just at different level....it makes instant attraction to it

@santhoshkumarkandagal1741 3 жыл бұрын

Love you the way you give examples mam.. easy and understandable.

@sagarvarude9972 3 жыл бұрын

Whether there are any charges or interest or deductions on money used from credit card in credit period.Any yearly mantainance charges?

@FilmiDrishtikon 3 жыл бұрын

The Way you explain complex thing in a simplified way is excellent.

@hemanthdesu7125 3 жыл бұрын

Using credit cards I got nearly 6k in form of Amazon vouchers with in 1 year

@martynsingh 2 жыл бұрын

Thank you for the lovely video. So easy to understand. I have a question though. Can I choose my due date to pay my cc bill or will it be as per bank

@ks127d 2 жыл бұрын

The way you make videos is just great, story like and engaging.

@vishvapradhan8476 2 жыл бұрын

Never worry about the reward points , more reward points means be aware you spent that much. it is kind of incentive to spend more. Even a single mistake is good enough for the credit card companies to skin.always spend less than you earn.

@thegamerspit6160 3 жыл бұрын

Plss Could you Explain the Concept of STUDENT CREDIT CARD. 🙏🙏🙏

@OptionBuyingTrader623 3 жыл бұрын

M pocket best apk

@yashwanthchikkula4955 3 жыл бұрын

@@OptionBuyingTrader623 never ever use this... They charge 120% intrest rate

@amanvyas9480 2 жыл бұрын

Too much information i got from that single video about credit cards .Thanks mam for explaining it in very easy way

@aniketshetye3453 3 жыл бұрын

Madam, Your videos are really helpful and loads of knowledge. We would request you to post video which can explain Letter of Credit, Bank Guarantee and difference between both. If you have already uploaded video for same then please share link of the same. Thank you in advance.

@shayanpanjwani4364 3 жыл бұрын

i am feeling confident on SBI cards due to this video

@NishaSharma-fy1qb 3 жыл бұрын

The benefits she told are othe ones provided by SBI card

@mehrabhanu 3 жыл бұрын

thanks for such a knowledgeable videos. Also make a video on where to invest funds during those 20 days period. it will be really helpful.

@unstopppableboysamrat6985 Жыл бұрын

How to invest FD or Liquid fund using Credit card? Zerodha not allowing credit card only allowing netbanking. Please suggest

@JamesSmith-xs1db 3 жыл бұрын

Just search "recovery agents"on KZfaq before applying for credit cards or any loan.

@niranjan286 3 жыл бұрын

Why take a loan? We can use a credit card like a debit card. If we have control, there will be no problem whatsoever.

@rishikeshgaikwad254 3 жыл бұрын

While I agree to the benefits you mentioned about having a credit card - You tend to spend more - Since you don't have to worry about paying the CC companies right at the moment, you tend to buy things without thinking twice. Always Remember: If the service you are using is FREE, it means YOU are the PRODUCT. In the end, it's you choice, choose wisely.

@jyotinavale 3 жыл бұрын

Wow..you are amazing...I first time watch a video on this topic n I understood it easily...just because of you. Keep creating such wonderful videos...Jai Maharashtra

@roeydaz 2 жыл бұрын

I have recently started using a credit card instead of a debit card. However as you mention management of repayment has to be done carefully. Exceeding by even one day means money borrowed will be charged interest from the day you spent it and not for the one day or overdue period. 24% p/a is a huge amount of interest!

@saurabhdeshpande4787 3 жыл бұрын

What about Interests they charge and GST we pay every month...Credit cards have very high GST percentages

@PraveenKumar-bg9su 3 жыл бұрын

Is it 18%?

@bookworm3624 3 жыл бұрын

Applicable only when you pay penalty. If clear outstanding monthwise,no worries

@soumsgaming238 3 жыл бұрын

Lots of hidden charges r there also

@rakeshthakre2489 3 жыл бұрын

Hi Rachna Madam, it's been last 3 days I have been watching your videos. Started with the part 1 stock Market one. Every bit and the training method is awesome. Thank you for uploading the videos. I have not started it practically yet but have opened an account via zerodha, going through all the relevant videos and making notes.

@gaurideshpande8858 3 жыл бұрын

Thanks for literating us financially 🤗

@mohitchandra5801 3 жыл бұрын

Your videos is like best of 90's shows, like after watching them, you'll say, Wah....

@kamleshmaru4639 3 жыл бұрын

रिया चक्रवर्ती जैसी लड़कियों की हरकतें सुनकर, क्रेडिट कार्ड से विश्वास ही उठ गया मेरा।

@swagat9042 3 жыл бұрын

lol

@yashgr82 3 жыл бұрын

Best comment ever

@vijaymamoria 3 жыл бұрын

Credit Card na hota toh Debit card maang leti woh. That would have been even worse.

@mohitdhoundiyal007 3 жыл бұрын

😂😂

@meeramenon2737 3 жыл бұрын

Ma'am, for completeness request you to also touch upon factors like Credit Card Annual Charges, charges related drawing money from Credit Cards. Also Auto debit facility works only if you have Savings Account and Credit Card with the same bank