Hack to Use 100% Credit Limit
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- čas přidán 25. 08. 2024
- Hack to Use 100% Credit Limit || bekifaayati #shorts #youtubeshorts #youtubepartner
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Kal hi dost ke credit card sey phone mangaya aur issi baare me baat kar rahe the, 100% credit limit use karne ko leke. Kaafi sahi timing hai tumhari
nice acting
I too follow same thing to lower my bill amount
एक आप ही थे जो दिल मे समा गए,
वरना कोशिश यहा हज़ारों ने की थी..........
I like for this
Not necessarily. The day credit card companies report to credit bureaus may not necessarily be the day bill is generated. So this may not always work with some credit cards. The surest way to do this is to pay the credit card bill on the same day of the transaction.
U r right 100%
Bank walo se baat karlo about it. I'm sure they'll tell if you can convince to use more of their card than others...
Ur absolutely right I felt that
HDFC Maximum Limit used Show karta hai....
CIBIL Effect hota hai
Not anymore...
Thanks. I didn’t know this 🙏
Such a useful info, i have dought in this, since i had started using, thank for sharing this, in such a beautiful way.
I do this all the time. Finally someone said it🤩
Pr maine abhi 2 mhine phle hi ye try Kia tha, aur bill genrate hone se phle hi poora bill pay kr diya tha,
Pr fir bhi mere cibil me ye show kr rha h k 90% limit used..
Aur mera cibil score kaafi down chla gya??
Maine customer support se bhi baat ki wo bole k sir ek to record me aahi jaayega aap chahe bill phle jama Karo yaar baad me..😔😔
Aisa q
@@RahulSingh-ju3ni h
@@RahulSingh-ju3ni Kaunse Bank ka card hai bhai?
@@kashinathpatekar9870 idfc, kotak
Chomu really good 😂
Credit Card be like I feel used😂
That last meme was awesome...😂
Nyc nail paint though
U are turning adorable day by day ❤️ 😍😍😍
It depends on bank to bank some bank report your spend at the end of the month 30/31 and some bank report on statement date so check forst with your bank
Have been using this trick for years.... Works like charm
Ankit bro it really works??
@@papaykhan6912 For me! yes, it does work.
Blessed with icici cards with credit limit of 5.3 Lakhs (amazon pay icici)+ 2.5 Lakhs (Make my trip icici) .. never ever it reaches even close to 30%...
Amir Khan did really good acting.
Score is calculated on total credit limit combining all cards you have unless you have only one cc not a problem .
Sehi kaha ma'am. But hdfc mein Sayed yeh rules Kam nehi karta. Actual utilisation ko hi cibil me report karta hai yeh log Sayed
Thanks maim maine 90%use kiya tha bill 10 ko hi generate hone vala tha maine 8 ko hi payment kar diya thanks
cashback aya fir?
Mtlb agar credit card ki limit ka 30% se jyada use krne pe jitna 30 percent se jyada use kiya hai usko bill generate hone se pehele pay kr de 30 percent se extra wala amount toh credit score pe effect nhi krta
Right
Some CZcamsr made some videos on this topic…they told that if i use 80% of my credit limits and pay the amount before bill generated then also it will be negative impact on CIBIL report or may be drop of some points…. Which one is correct madam
i do same, i use 80% - 90% of my limit if i need then i pay 60% of my uses before the credit card bill generation date and then 20%-30% bill be generated of my credit card limit and after bill generation I pay entire amount of my bill. 😅
This is very old trick.
@@shubhankarkumaraarya what is your statement/bill date and is it an hdfc bank account?
Not work on bob card .It reports to cibil end of month instead of statement date
me aaj sham ko hi iphone 14 pro le rha hu mujhe isi bat ki tention thi thanku so much for this information 🎉❤
Last vala bhot must 🤣🤣🤣
Last was epic😂😂😂
What if someone decreases the spend limit? Then what's the denominator, the credit limit or the spend limit? In ICICI Bank cards, the call this adjustment of spend limit as CHANGING YOUR CREDIT LIMIT.
Madam, i think credit reporting date is different from bill generation for different bank. So even if the bill is generated with your 90% of ur credit limit and you paid it before credit reporting date of the respective bank to CIBIL, ur CIBIL score will not hamper. But this information is not concrete, i observed it from the usage of my card in reference with the information collectted from some sources like one score app and internet. So, if u can do some more research provide us the proper information.
Credit reporting day bill payment ka last due date k baad hi hota hai na?
Great
Credit card will say maa maa Mari shaktiyo ka galat istemal ho rahe hai 😂
Bill generate hone se pehle credit card me paise wapas keise dalte hein jara hume bhi batayie didi😅
Cred App ki through
@@subarnapal08 bro mere credit card ki limit 2000 h or mene usme 1000 or add kre h for rewards through cred to koi dikkat to nhi hogi na
@@chiragkalra2123 bhai ye kon sa credit card hai jiski limit sirf 2k hai?
@@rishabhagarwal8904 one card
@@chiragkalra2123 na 1k tumare available limit mein aajata hai outstanding -1k show krta hai hope aapko phele se pta chl gya hoga 1month baad reply de rha😂
If someone has credit limit 50 k but total expenditure of a month in credit card is 60 k and if someone pay outstanding before bill generation will bank charge for crossing credit limit?
My question also
credit card k limit k bare m or detials digye
No Applicable to HDFC CREDIT CARDS BECAUSE ONLY AND ONLY HDFC BANK DOESN'T SHARE ITS CUSTOMER CREDIT UTILISATION TO TRANS UNION. Hdfc Always share random details to them.
Eg:- U used 30% then Hdfc send details to Cibil that. U used 65%.
😅😅 Only HDFC Things
Thanks 👍
Bill generate se phle jese dalogi paisa 😅😅😅😅
Thnx 👍
abe oo chomuuuuuu
was epic
Hey, i have 60k limit and i ended up using over 1 lakh this month with the same technique but this happens to me every month, if i keep billing amount under 18k i.e. under 30%, it should keep everything safe right? I desperately need to get higher limit on my amzn pay card
Ragalia card show kara h video m jiski floor limit 3 lakhs h toh waise bhi 30% ke under hua but hdfc credit score bureaus ko limit report nhi karta toh iska koi fayda nhi uske liye ek bar max limit use karni padti h
I did the same thing but utilisation shows in 36 percent and civibl score changed
Bill 0 nhi dikhana chahiye credit score acha krne ke liya ese acha 30% paise chor ke baqi bhar do bill anai se pehle fr bill anai ke bad woh pay krdo due date se pehle
Nice humour
Bill generate hone se pehle credit card me paise daal sakte hai kya?
I too want a HDFC credit card but it'll have overage limit
That expression 😆 😄
If we use 50% of our limit and pay before bill generation, than will it impact.
Slice card per 30% utilisation maintain karna parega ya fir pura limit use kar sakta huu,?
I didn't know that thanks 😊
What if my HDFC CARD LIMIT is 1 lakh
And I bought a phone of 90k in No cost EMI
by that i will be using my 90%, will that also affect the CIBIL Score
Yes
How to avoid gst on interest part of loan on credit card
Agar aisa h to maine abhi 2 mhine phle hi ye try Kia tha, aur bill genrate hone se phle hi poora bill pay kr diya tha,
Pr fir bhi mere cibil me ye show kr rha h k 90% limit used..
Aur mera cibil score kaafi down chla gya??
Maine customer support se bhi baat ki wo bole k sir ye to record me aahi jaayega aap chahe bill phle jama Karo yaar baad me..😔😔
Aisa q
Bhai customer care ne sahi kaha hai hdfc bank cibil ko report hi nhi deta is liye HDFC Bank me faida hai
@@aandhitufan4492 shi kaha aadni toofan bhai.
@@aandhitufan4492 shayad sirf hdfc me hi aisa h
@@RahulSingh-ju3ni han bro
@@RahulSingh-ju3ni bhai meri limit 25000 h but mene emergency me 20000 use Ki hu Or bill generated nii huaa to mei abhi pay kar dungi to meri cibil score niche gir jaega kya ?
This information is totally wrong. Banks do send the spend amount to the credit bureaus but they keep it secret. Such things are only revealed to institutions which request a hard enquiry of your credit score. A hard enquiry contains the details which are not visible in a soft enquiry.
Yes, probably ....maine abhi 2 mhine phle hi ye try Kia tha, aur bill genrate hone se phle hi poora bill pay kr diya tha,
Pr fir bhi mere cibil me ye show kr rha h k 90% limit used..
Aur mera cibil score kaafi down chla gya??
Maine customer support se bhi baat ki wo bole k sir ek to record me aahi jaayega aap chahe bill phle jama Karo yaar baad me..😔😔
Aisa q
Mam,if my credit limit is 80,000 and if I pay in advance 20,000 then purchase 90000 products then the bank can charge me an over limit?
Madam forgot credit utilisation ratio ..
Also I do this everytime😉
Yeh to flipkart pay later key trh ho gya
this character 👌🏼 too good
Anyone pls reply me i want to order a fd credit card i have no knowledge about fd credit card cuzz i become 18yrs old yesterday like if i do fd of rs 70000 then what percent of maximum limit we can use for emi purchase online so that it improves credit score
So you're talking about that some days before bill generated
Aisa mai hamesa karta hu 😊😊😊😊
Wrong because credit utilisation will be 100%
Pr maine abhi 2 mhine phle hi ye try Kia tha, aur bill genrate hone se phle hi poora bill pay kr diya tha,
Pr fir bhi mere cibil me ye show kr rha h k 90% limit used..
Aur mera cibil score kaafi down chla gya??
Maine customer support se bhi baat ki wo bole k sir ek to record me aahi jaayega aap chahe bill phle jama Karo yaar baad me..😔😔
Aisa q
I did not understand what she said.Can anyone please explain me?
Madam bill generate hone mai kitne din lagte hai mujhe ye nhi pata
big fan of u
Mujhe ye batoo agaar mere 5 k ki one card paar credit limit hai to mein emi paar 47 k taak ka saman le sakta hoo ??? Kya 😅 please batoo mere ko
But almost all credit card card report in cibil in 30- 31 of every month. But bill generate date are 16 so what can i do for it
Just pay before 30 of that month in this case to maintain CIBIL
When would the bill be generated?
So in that case will we able to get reward points for it as the bill generated is 0
cashback milega ki nhi before statement payment karne par?
Mam my credit card limit is 20000.
I purchased a speaker of value 6999 on emi
As i am new to this credit card system...
Is my cibil is gonna get affected as i used more than 30% of my limit ...
I will repay emis on time....
Or how much should i add to my credit card before bill generation..??
Pls reply
Yes it will impact your cibil definitely. So always remember to use less than 30% credit limit.
I have been doing this from years
Does this work
@@tripatjeetsingh YES! My credit score is improving every month. I pay around 1000 daily via cred to get rewards also. If you don't use cred pls use my referral
Does it work for sbi card? Any experience?
Are you in 'KABIR SINGH' movie ?
Lage raho
Can we talk ??
Becoz i like the way u made the videos
I do this..... clearing credit card before bill generates
How
@@Harshitbhatnagar use credit card... and then pay immediately online.
@@Harshitbhatnagar just pay the amount before bill is generated 😁
Pr maine abhi 2 mhine phle hi ye try Kia tha, aur bill genrate hone se phle hi poora bill pay kr diya tha,
Pr fir bhi mere cibil me ye show kr rha h k 90% limit used..
Aur mera cibil score kaafi down chla gya??
Maine customer support se bhi baat ki wo bole k sir ek to record me aahi jaayega aap chahe bill phle jama Karo yaar baad me..😔😔
Aisa q
@@RahulSingh-ju3ni cibil score and bill generation need not be the same... I think your bank sends data to cibil before the month end and if the bill generation date is 5th of the month, that'd definitely affect the CIBIL score
This trick is only useful for cibil score...but won't help when it comes to increasing credit limit.
I tell you that your voice is totally alia bhatt voice
When does bill get generated?
Cashback and collar
Good
I just want to give you a quick piece of knowledge. The word 'chomo' is not appropriate, as it means child molester. Let's avoid using it and prevent it from becoming common slang.
Lets say I have 3 cc. What if for One month i use 80% of one cc and 2nd month the 2nd card for 80% and 3rd month the 3rd card for 80%..
will it impact my CIBIL score in total ?
Bhai combined limit of 3 cc together should be less than 30%. Add limit of all the 3 cards use 80% of say card 1 and then check if total credit utilisation ratio is less than 30%
what if I used EMI option?
i also hv sm question
I did got it how did u paid before bill getting generated
Madam g bill gernate hone se phele... Bill kase jama hota h....
Bs card no। Daal k pay kr do
Did the same thing
My credit score dropped by 25 points
Even though i paid the entire amount within an hour of using my card for cashback
Check my other comment
This information is totally wrong. Banks do send the spend amount to the credit bureaus but they keep it secret. Such things are only revealed to institutions which requests a hard enquiry of your credit score. A hard enquiry contains the information which are not visible in a soft enquiry.
Pr maine abhi 2 mhine phle hi ye try Kia tha, aur bill genrate hone se phle hi poora bill pay kr diya tha,
Pr fir bhi mere cibil me ye show kr rha h k 90% limit used..
Aur mera cibil score kaafi down chla gya??
Maine customer support se bhi baat ki wo bole k sir ek to record me aahi jaayega aap chahe bill phle jama Karo yaar baad me..😔😔
Aisa q
Isn't it the total credit available? It's not card specific, isn't it?
Sorry for say but I have used this same and my credit score decreased drastically.
Aree IPhone k alwa aor bhi ache phone hai..
SAMSUNG Z FOLD AND S series.. unko bhi promote karo
Z flip is best one of the best design
Knew it already 😂
Your eyes
Meri credit card ke limit 40000 ha maine 95% credit utilization kar liya ha mera bill bhi aa gaya .
Maine aaj bill Pura bhar diya .
Kya next 2 month credit utilization 0% rahega toh cibil score improve hoga kya
Sir achha credit score k liye bill generate hona zaruri hai, toh bill 0 ayega toh woh bilkul ku h v affect hee nhi karega, not in a good way nor in a bad way.
But agar app ₹100 ka v bill ata hai for the next 2-3 months, tabb uska ekk positive impact ayega credit score pe.
And kavi kavi 100% credit limit use krne see, credit limit improve hona easy hota hai, toh annually ekk-adha barr credit limit koh full use krke, credit limit mai increment maang sakte hai.
Chhhhhooomu😂😂😂😂
Best acting 👍👍... 😀😂
this option not working for hdfc and axis
HDFC nd Axis Every Month end 30th nd 31st ko cibil report karti h.
30% limit kaise calculate hoti hai....
Overall all sare credit card ki limit ko add krke na??
Yes
Your limit ×30 ÷ 100
0 rakhne se credit history bhi nahi banega
But how we can add money in credit card🙄
Acting next level😂😂