Credit Card லாபமா நஷ்டமா ? | English Subtitles

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  • čas přidán 12. 12. 2022
  • Credit cards have become an important part of our financial transactions today. They can help us pay for things when we don’t have money or trap us when we don't know how to use it. They give us the liberty to pay for things later. But is it always a win-win situation for us as far as credit cards are concerned? How do credit cards work? And how do the issuers of credit cards, who pay on our behalf, earn profit from them? Also, what are the things that you should keep in mind while getting a credit card?
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    #creditcard #creditcardloan #creditcardemi

Komentáře • 146

  • @madhankumar8762
    @madhankumar8762 Před 11 měsíci +2

    தற்போது இருக்கும் காலகட்டத்திற்கு அருமையான தகவல்👍

  • @gurumoorthisubramanian3192

    மிகவும் அருமையாக இருந்தது உங்கள் வீடியோ விளக்கங்கள் நன்றி நண்பரே

  • @easwaran0000
    @easwaran0000 Před rokem +9

    நான் இந்த புதை குழியில் விழுந்து விட்டேன் இப்பொழுது தான் கொஞ்சம் கொஞ்சமாக மீண்டு வருகின்றேன்

  • @Durgasusee
    @Durgasusee Před rokem +3

    Eye opening video for new credit card users...

  • @ShivaKumar-se2ic
    @ShivaKumar-se2ic Před rokem +21

    Naa HDFC la 3L limit laa card use panuran full amount thaa use panuratha kattitaey varan nariya cash back offer lam kodukuranga minimum due matum katave matan 50k iruthalum yetha pani katiduven Neega solurathula minimum due 💯 fact Naa 🙌🏻thanks your information ☺️

    • @thevishnu.v
      @thevishnu.v Před 11 měsíci

      Which type credit card bro.millennia, money back or other type ah bro

  • @Jaivlogs89
    @Jaivlogs89 Před rokem +3

    Nan ketten credit card pathi sollunganu etha pathi video pottathukku rompa nandri bro the lord thanks

  • @CricketAlaparaigal007
    @CricketAlaparaigal007 Před rokem +7

    Really an useful video sir..an eyeopener for new card holders..thanks for posting many videos like this

  • @TRUSTMEIMTHEDEVIL
    @TRUSTMEIMTHEDEVIL Před rokem +1

    I was thinking of getting a new card Thankfully I found you else God only knows what may happened

  • @geethasrinivasan1844
    @geethasrinivasan1844 Před rokem +24

    Valid information. I like to share my experience that I bought watch from Titan in EMI through HDFC credit card and received receipt also which has shown that EMI details but I received credit card statement to pay full amount so I approached respective bank and sent an email as per norms to convert as EMI. Customer care gave assurance to convert but they didn’t convert till due date. At last I paid full amount in the last due date to avoid interest. I heard same thing happened to one of my client so please check your credit card statement carefully whether it’s converted as EMI or not.

    • @imsenthil_20
      @imsenthil_20 Před rokem +2

      Noted mam tq

    • @naveenuday1692
      @naveenuday1692 Před rokem

      This is happening for many people. I think they designed code intentionally like this. Money killer

    • @muthupalanimech6934
      @muthupalanimech6934 Před rokem

      Its true..full amount will be available in the statement though its converted to EMI..

  • @mullaivadivel6887
    @mullaivadivel6887 Před rokem

    பயனுள்ள தகவல்கள் நன்றிகள்

  • @balamanikandan8671
    @balamanikandan8671 Před 19 dny

    Useful video thank you sir

  • @mariselvam7265
    @mariselvam7265 Před rokem +1

    நல்ல விளக்கம் நன்றி

  • @karthickraja2436
    @karthickraja2436 Před rokem +2

    Such an wonderful information for wellbeing of financial life sir, Thanks for that and keep up the same.

  • @smartjacck
    @smartjacck Před 10 měsíci

    Very useful informations. I am going to be a new user of credit card. So thanks sir

  • @CricketAlaparaigal007
    @CricketAlaparaigal007 Před rokem +2

    Make an video for jewel loan sir..thanks

  • @srinivasanj7940
    @srinivasanj7940 Před rokem +13

    Few things missed- Late payment charges, Financial charges for outstanding amount and day interest applicable for outstanding amount and newly swiped amount.
    Reward points are valid for 2 years in majority of banks. Redemption value from 25p to Re.1 based on card varieties. Co branded card will give better benefits.
    ICICI Amazon
    Axis Flipkart
    Tata card
    HDFC Regalia
    Few SBI co-branded
    Indusind Legend are good reward card
    Most of the cards are free for a lifetime or minimum usage required for a year to waive off annual fee. For EMI no reward points.
    I have been using it for the last 13 years without any debt and redeemed good rewards.

    • @imsenthil_20
      @imsenthil_20 Před rokem +2

      Hi sir
      Is there any minimum spending amount?
      If I fill petrol for ₹100 is any charges ?

    • @srinivasanj7940
      @srinivasanj7940 Před rokem +2

      @@imsenthil_20 Hi senthil for petrol they will charge surcharge Rs. 5. If you put petrol above Rs.500 that amount will waived off.
      For annual fee card - Minimum amount required. Rs. 1L to 2L for normal card. Ex Axis Flipkart card, SBI credit card. For premium card 3L to 5L.

    • @imsenthil_20
      @imsenthil_20 Před rokem +1

      @@srinivasanj7940 okay sir tq

    • @Akash-jj8pi
      @Akash-jj8pi Před rokem +1

      Thanks for this useful info

  • @anandthiru806
    @anandthiru806 Před rokem +1

    All videos i wish to success thanks for normal people easy to understand way u has explained thanks, waiting for more videos from Seychelles 🤝

  • @rajaa9077
    @rajaa9077 Před rokem

    Perfect video sir

  • @karthicksivakumar9388
    @karthicksivakumar9388 Před rokem +2

    Very very useful video sir!👏🏻🙏🏻

  • @kannankk2001
    @kannankk2001 Před rokem

    அருமையான விளக்கம் நன்றி சார்

  • @narsnarz3285
    @narsnarz3285 Před rokem +1

    Thanks for the information brother. I learned many unknown things 😊

  • @pradeepameh4682
    @pradeepameh4682 Před rokem +5

    Naan apdi thaan card ah vaangi use panni maatikitten, reuse panna 81 k pay panna sonnanga, aprom card ah settlement pottu 37k pay panni close pannen...
    Very very useful video for all peoples... Thanks for sharing your information

  • @RTechTamilanYYYYYYY
    @RTechTamilanYYYYYYY Před rokem +1

    Super sir 🙏

  • @ismailyaser6600
    @ismailyaser6600 Před rokem

    It was great valuable information sir. Superb sir. Thanking u............ sir

  • @prathapraj8838
    @prathapraj8838 Před rokem +2

    Super sir

  • @pd4104
    @pd4104 Před rokem +2

    Bro life insurance scam pathu podunga...mainly about the surrender value.

  • @vigneshkumar9379
    @vigneshkumar9379 Před rokem +3

    Tax saving for personal and business ku video podunga bro

  • @chinnappav1962
    @chinnappav1962 Před rokem +3

    Thank you for your valuable guidelines Sir

  • @mynazeemable
    @mynazeemable Před rokem +1

    Useful information.Thanks

  • @Muthumemes123
    @Muthumemes123 Před rokem

    Sir wipro buy panlama. Cp 396 around. Rs.383 around la support eduthirukka

  • @SuperUsa1985
    @SuperUsa1985 Před rokem +1

    No sir...minimum due with gst around 4% - 5%

  • @nithuclm
    @nithuclm Před rokem

    Thks bro

  • @mathavanm4709
    @mathavanm4709 Před rokem

    Super sir🙏🙏🙏

  • @ramesht4896
    @ramesht4896 Před rokem

    Great sir

  • @Shankar-P
    @Shankar-P Před rokem

    Have money in hand then buy anything with credit card and then repay within 30days..
    That's all for using credit card ??

  • @premajohnson8178
    @premajohnson8178 Před rokem

    Good Advice, super explanation

  • @sharingwithyou7748
    @sharingwithyou7748 Před rokem

    Sir, I have an icici credit card, and the due amount is 50,000. I have paid a minimum of $ 15,000, so whether the interest will be for the remaining 35,000 or 50,000?

  • @sureshr2968
    @sureshr2968 Před rokem +2

    Credit card companies actually bet on you that you will default. A credit card company is likely to win, because you may default at least once during emergencies like hospitalization. Credit card companies will not show mercy on you during such emergencies. They will penalize you and charge heavy interest which can vary between 48% and 60% per annum during such period. In order to use the credit card, by you they will offer a very small amount for a short period to induce you. The heavy interest on credit cards during default adequately compensate the offerings. All the offerings will be withdrawn even if you default once. You must remember credit card is actually an unsecured loan. In order to completely enjoy the benefit and defeat the credit card companies, never hold an asset or joint accounts in your name. But it is always better to avail a secured loan with a small interest rate, if you require a loan.

  • @arunadevi2334
    @arunadevi2334 Před 7 měsíci

    Reward points ka credit card vaaganuma. If we have money we can buy it from debit card then what is the necessary to get credit card.

  • @skalimuthu7758
    @skalimuthu7758 Před rokem

    Sir one doubt credit card la 30k rentel pay la emi convert pannanum ...bro next antha credit card ah swipe Panna antha rendu amount ah epdi pay pandrathu...pleas help me

  • @saravanan.a4580
    @saravanan.a4580 Před rokem

    Very very useful sir, thank you sir

  • @triangle379
    @triangle379 Před rokem

    ICICI bank puts a charge even for depositing cash in their deposit machine evenin my own branch.
    they insist to deposit in the counter. they're undermining the purpose of these machines.IOB doesn't do this

  • @pradeeparaj686
    @pradeeparaj686 Před rokem

    Can I invest money on beldex coin with help of gcchub members sir ?

  • @dharmaraj9700
    @dharmaraj9700 Před rokem

    Thank you very much sir

  • @priyapriyam7429
    @priyapriyam7429 Před rokem

    Very useful video 👍

  • @mohamedrijwan6757
    @mohamedrijwan6757 Před rokem

    Thanks for your valuable information
    Rijwan (Sicha peran)Erode

  • @sskumarbeinghuman
    @sskumarbeinghuman Před rokem

    Wonderful. Very useful message

  • @muthuraj8535
    @muthuraj8535 Před rokem

    நன்றி நன்றி

  • @kennedyprasath4762
    @kennedyprasath4762 Před rokem +1

    எனக்கு ஒரு சந்தேகம். நான் கிரெடிட் கார்ட் வச்சு 50k ஏடிஎம் ல எடுக்குறேன். பணமா எடுத்தா அதிகவட்டி வரும்னு சொல்ராங்க. இதபத்தி விளக்கம் கொடுங்க.

  • @Balaji.Dhanush
    @Balaji.Dhanush Před rokem +3

    கிரெடிட் கார்டு பேமெண்ட் கடந்த அஞ்சு வருஷமாக ஆன் டைம்ல பேமென்ட் பண்ணிட்டு இருந்தேன் கடந்த ஒரு வருஷமா எனக்கு விபத்து ஏற்பட்ட காரணத்தினால் இஎம்ஐ கட்ட முடியாம போயிடுச்சு ஆனா இதனால நான் படுற அவஸ்தை கொஞ்சம் நெஞ்சம் இல்லை ஒரு நாளைக்கு 150 கால் வருது எல்லா பேங்க் கிரெடிட் கார்டு வச்சிருந்தேன் என்னை போட்டு ரொம்ப டார்ச்சர் பண்றாங்க இதுக்கு ஏதாவது ஒரு வழி சொல்லுங்க

  • @sabariraj2151
    @sabariraj2151 Před rokem

    Tqsri

  • @rajachidambarams4494
    @rajachidambarams4494 Před 6 měsíci

    Valid information bro

  • @suganthkv9603
    @suganthkv9603 Před rokem +1

    sir no cost emi pathi sollunga

  • @santhoshk.k2726
    @santhoshk.k2726 Před rokem +1

    Anyone can respond if u know 100% or if use used it,or u can share ur experience
    If I pay 200 SIP for a month for 12 months in a good (brand or any investment) the total amount 1 Paid in a year is 2400 can I get more than that. Or is there any chance for losing my money in groww app(can I trust this app). Please reply

  • @thiliptest2538
    @thiliptest2538 Před 9 měsíci

    Bro credit card la use pannura amount emi maathiri pay panna mudiyuma

  • @sudhagajendran6764
    @sudhagajendran6764 Před rokem

    True sir

  • @sangithathiru3597
    @sangithathiru3597 Před 9 měsíci

    Good explained 🥰🤗

  • @sapaatupayanam
    @sapaatupayanam Před rokem +7

    Credit card can make you disciplined in terms of spending too ❤

  • @chellakkannanc
    @chellakkannanc Před 10 měsíci

    Can buy share with credit card??

  • @punithap1419
    @punithap1419 Před rokem +1

    Thanks for information anna

  • @paviscare5598
    @paviscare5598 Před rokem

    Thank you thank you sir

  • @sathishthangavelr
    @sathishthangavelr Před rokem

    Total bill amount convert to emi is best

  • @southernfans1499
    @southernfans1499 Před rokem +1

    Nastam bro..aioooooo...just 2 yrs back vaanginen monthly 20,30,40k varai aaaapu.

  • @sugavath6246
    @sugavath6246 Před rokem

    Thanks bro

  • @thiliptest2538
    @thiliptest2538 Před 9 měsíci

    Bro credit card use panni cash edukka mudiyuma

  • @dhalshuckpatel8499
    @dhalshuckpatel8499 Před rokem +2

    நண்பர் அவர்களுக்கு வணக்கம் நானும் கிடிட்கார்டு வைத்து இருக்கிறேன் ஆட்டோபே செய்து உள்ளேன் அது நன்மையா அல்லது தீமையா நான் கரன்ட் பில் LICபே செய்கிறேன் வீட்டுக்கு தேவையான வாங்குகிறேன் என்னிடம் பணம் இருந்தாலும் பொருள் வாங்குவது கிடிட்கார்டில் வாங்குகிறேன் நன்மையா அல்லது தீமையா என்பதற்கு நண்பர் பதில் அழித்தால் நன்றாக இருக்கும் நன்றி

  • @srinivasanvasudevan7413

    What's Difference Between Normal Credit Card And CC Based On Deposit..?!

  • @pubgnew7552
    @pubgnew7552 Před rokem +1

    Hello.. If my credit limit is 30000. What's the % I can use to maintain a clean record?

  • @saravanaboopathi
    @saravanaboopathi Před 11 měsíci

    Thanks sir

  • @VijayRaj-fq9js
    @VijayRaj-fq9js Před rokem +1

    I don't want to use credit card. It will create an illusion in mind which will make you to spend more. 😳

  • @shivaraja369
    @shivaraja369 Před rokem

    Bro creadit card la purchase pannama , cash ah withdraw pannuna evlo naal kulla repayment kepaanga

  • @suganthRev
    @suganthRev Před rokem

    Enaku ipo thevayana video...

  • @Sankarps1982
    @Sankarps1982 Před rokem

    சார் என்னிடம் SBI Credit card இருக்கிறது. 1 வருடத்திற்கு 499 ருபாய் ,இந்த card திருப்பி கொடுத்து விடலாமா ?

  • @devakumar5705
    @devakumar5705 Před rokem +2

    பயனுள்ள தகவல்கள்....கிரெடிட் ரிவார்ட் பாய்ண்ட்ஸ் என்னிடம் ஐம்பதாயிரம் இருக்கிறது, இதை எப்படி க்ளைம் செய்வது?
    HDFC Bank.

    • @Shelby1237
      @Shelby1237 Před rokem +1

      Login to net banking and choose redeem reward points

    • @dearEditor24
      @dearEditor24 Před rokem +1

      Ethasum things vangum pothu use panuga

  • @durgadurga6792
    @durgadurga6792 Před rokem

    👌nice

  • @unmaiulaippuuyarvu5731
    @unmaiulaippuuyarvu5731 Před 10 měsíci

    Use panna therinjavangalukku credit card oru varam bro engitta 3 card irukku 3me monthly monthly use panni proper ha pay panniteuken
    Ippo ennoda cipil score 890😂

  • @veeramanigod
    @veeramanigod Před rokem

    My cibil score is low how to increase

  • @sanjaycb1238
    @sanjaycb1238 Před rokem

    Oh yeah 🤣😂🤙 money money

  • @Roshanr4400
    @Roshanr4400 Před rokem +2

    Can we able to withdraw money from ATM using credit card ? And can we transfer money to trading account ????

    • @dharmaraj6592
      @dharmaraj6592 Před rokem

      Yes you can withdraw money from your credit card...
      Every bank credit card allocate some amount like 20% of amount for overall credit limit.
      If your limit is 1 lakh you withdraw upto 20k..
      But the main disadvantages is they charge 200 or 2% processing fees+ 3.5% interst rate per month for your withdraw amount.
      Don't withdraw a cash from using credit card.
      In case any emergency there is a some app is there, they transfer money credit Card to bank your Bank.
      They also charge 2% to 3 % per transaction.

    • @saipriyakumar3427
      @saipriyakumar3427 Před rokem

      Don't ever think to do this mistake .as the interest rate is too high for withdrawal amount. interest rate are calculated on daily basis

    • @arjunk5959
      @arjunk5959 Před rokem

      don't do that

  • @rajimurugesan777mrp8
    @rajimurugesan777mrp8 Před rokem +1

    Which bank credit card is best choice? Please refer to me

    • @balaji4154
      @balaji4154 Před rokem +1

      Axis flikart credit card 1.5 % cash back for all your swipe and icici amazon pay credit - 1 % cash back for all your swipe

    • @dharmaraj6592
      @dharmaraj6592 Před rokem

      @@balaji4154 Hi bro

    • @balaji4154
      @balaji4154 Před rokem

      @@dharmaraj6592 , yes dharma raj. Axis flikart credit card 1.5 % cash back for all your swipe and icici amazon pay credit - 1 % cash back for all your swipe

  • @prabupachamuthu9479
    @prabupachamuthu9479 Před 8 měsíci

    ரிவாடு பாயிண்ட்ஸ் எப்படி ரெடியும் பன்றது சார்? என்னிடம் 6000 பாயிண்ட்ஸ் இருக்கு சார்

  • @timepass-rd3qr
    @timepass-rd3qr Před rokem

    Credit card petrol pota survivor charges pudikirangale,
    Rent pay pannalum extra charges pudikranga

    • @balaji4154
      @balaji4154 Před rokem +1

      for petrol - if use above 400 rs petrol pota pudikimataga

    • @timepass-rd3qr
      @timepass-rd3qr Před rokem +1

      @@balaji4154 appayum pudikranga

    • @balaji4154
      @balaji4154 Před rokem

      @@timepass-rd3qr brother, tell me your credit card name

    • @SivaView
      @SivaView Před rokem

      @@balaji4154 I've 4 credit cards. In every card in facing same issue. For eg if I pay 1000, 12 rs extra will be charged and 10 will be refunded. Balance 2rs will not be. For me it doesn't matter but this is what is happening with cc.

    • @balaji4154
      @balaji4154 Před rokem

      @@SivaView ok. for me not like that. I dont know why charges for you ?

  • @ribishaj1639
    @ribishaj1639 Před 11 měsíci

    கிரேடிட் கார்டு வழியா ஷேர் வாங்கமுடியுமா

  • @YTARUNXXX
    @YTARUNXXX Před rokem +2

    I have 12 credit 💳 card 7bank😭 total limit 4laks

  • @travelwithscreen
    @travelwithscreen Před 10 měsíci

    Credit card apply Panni reject anadhu comment oru like podunga

  • @anithaudhayakumar9008
    @anithaudhayakumar9008 Před 5 měsíci

    Udesnih

  • @ashokkumara1249
    @ashokkumara1249 Před rokem +1

    Sir how to use credit card to bank account without charges

    • @Shelby1237
      @Shelby1237 Před rokem +1

      Vaaipu illa Raja . Antha kaalam poi 4years achu

    • @ashokkumara1249
      @ashokkumara1249 Před rokem

      @@Shelby1237 then tell me which one will give lesser charges

    • @Shelby1237
      @Shelby1237 Před rokem +1

      @@ashokkumara1249 use housing rent platform

  • @esakkimuthu2822
    @esakkimuthu2822 Před rokem +1

    முட்டாள் ஆகிடுவான் இந்த கார்டு கொடுத்து

  • @kumarm4032
    @kumarm4032 Před 10 měsíci

    kil

  • @sabirahbegum6115
    @sabirahbegum6115 Před rokem

    கொள்ளை

  • @mkdwarakanathnath1189

    Noted bro, try and verify this financial support concept if interested and whether it is legal, from giventakeworld thank you

  • @manir2582
    @manir2582 Před rokem

    Super sir