Bharat

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Bharat

Bharat

@bharatt___

I teach how to spend smart & earn more with credit cards & financial threads 💡Learn money the practical way 🧠 Turning spending into rewards #ccgeek @carddekho

Gurgaon, India Katılım Kasım 2019
477 Takip Edilen2.4K Takipçiler
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Bharat
Bharat@bharatt___·
How I buy gold jewellery at just the gold price — no making charges! Here’s how I do it — using smart gold saving schemes from Joyalukkas & Malabar A thread worth saving thousands👇🧵💰✨
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kishore
kishore@PujaKishore17·
@bharatt___ Hey don't use coversure, it's always payment in pending status and they won't reply. It's an unnecessary headache at a renewal date.
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Bharat
Bharat@bharatt___·
🚨 Above ₹25,000 Insurance Premium? YES - You Can Still Pay It via Amazon Pay with 0% Fee 💳🔥 Many people asked me “How did you pay ₹25,000+ insurance premium with Amazon Pay and earn 20% back?” Ps: People who were asking for proof! Here’s my exact step-by-step 👇🧵
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Gajender Yadav
Gajender Yadav@imYadav31·
Vacation starts today 😎
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Bharat
Bharat@bharatt___·
@imYadav31 Going tomm. Trip loading soon 🎉
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Gajender Yadav
Gajender Yadav@imYadav31·
Making my Phuket itinerary based on recommendations here on X and my searches on Youtube and Google......let me tell you… This place has WAY too many wow things to do. 🤯🏝️ Phuket isn’t a 2–3 day add-on. Phuket alone deserves a 5–7 day trip.
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Pi News
Pi News@PiListingNews·
To celebrate silver’s all-time highs, I’ll give a 500g silver bar to 5 people tomorrow (~$1700 each) RULES: like this post, reply with "DONE" and must be a @nolimitgains follower @grok pick 5 winners in 24 hours, thanks.
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Bharat retweetledi
︎ ︎venom
︎ ︎venom@venom1s·
> A delivery boy accidentally scratched a man’s BMW. > The owner said repairs would cost 1.5 lakh and asked how much the boy could pay. > The boy cried and said he only had 3–4 thousand. His mother has last-stage cancer. He showed medical reports. > The owner decided to pay for the repair himself. > He also told people to help the boy. It’s good to see such acts of kindness in the world.
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Ravi Maheshwari
Ravi Maheshwari@CreditCardsInd·
800+ CIBIL Score across the entire family! 😍🔥 Everyone in my family (primary + add-on cardholders) now has a CIBIL score of 800+ 🔥 See the quoted post below for the exact strategies, tips, and card management hacks I followed to make this happen for myself and my family members. 👇 #CreditCards #CIBIL #CreditScore #FinancialFreedom
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Ravi Maheshwari@CreditCardsInd

🚀 Maintaining near-perfect CIBIL SCORE with smart CC management 🏆 Key hacks I follow (works for me): 👇 🧑‍💼Credit age: ~20 yrs 💰Utilisation: kept near 0%; target <5% per card; any spike is repaid immediately via NB after settlement 🗓️ Billing dates split: half before 15th, half after 15th; preferred cycles on or before 12th and 27th so dues are cleared 1–2 days after generation, just before CIBIL refresh. 💰High‑value spends only on a high‑limit card; bill paid the very next day of statement generation. 📅 Different billing dates across cards to spread usage and avoid any single card crossing 5% utilisation. 👊 If one card nears 5% utilisation, shift spends to addon cards of family members, aligned to limits and due dates. ❌ Closed all unwanted/unused cards to keep the stack clean while retaining long‑age lines. 🈸 New credit discipline: only 2 CC applications in 2025 – 1 approved (Jan), 1 dropped by me mid‑onboarding (no FOMO). 🏠Home loan: Only 1 home loan active; no unnecessary term loans. 🤳UPI on credit card: rotated across banks to test issuer behaviours and keep any single line from looking stressed. Example Flow 👇 - 📅 HDFC Infinia billing date set as 1st 🎁 Purchase gift vouchers on 27–28th of previous month. 🗓️ Statement cuts on 1st, payment done on 2nd – utilisation back near 0% before mid‑month CIBIL refresh. ✅ End result: no chasing scores, just a system - long credit age, low utilisation, staggered cycles and zero‑FOMO applications doing the heavy lifting for my CIBIL. ❌ Not financial advice – share your tips! 💳 Don’t forget to follow @CreditCardsInd 🔥, like ❤️, comment 💬, and share the love 🔁! 💥 📈 #PersonalFinance #CreditCardsIndia

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Bharat
Bharat@bharatt___·
@PranavDate Congratulations Its really great partner ! To add
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Pranav Date
Pranav Date@PranavDate·
I am sleeping peacefully tonight. A bucket list checked :)
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Bharat
Bharat@bharatt___·
THIS is how @flyspicejet treats its passengers. SHAMEFUL Absolute chaos at Chennai Airport right now. Flight SpiceJet SG9981 (Chennai → Delhi) scheduled at 10:00 PM has turned into a bad thing First delayed by “a few hours”, then extended to 3+ hours, and now there’s zero clarity some staff say delayed, some say cancelled, some say nothing at all. No announcements. No proper ground staff response. Passengers left confused, stranded, and helpless. I do not even have a place to stay in Chennai. Hundreds of passengers are standing here with families, elders, kids and SpiceJet is completely failing to manage the situation. Is this how airlines treat paying customers? Where is accountability? Where is basic communication? @flyspicejet need IMMEDIATE assistance, clarity, and responsibility. This level of mismanagement is unacceptable. #SpiceJet #SpiceJetChaos #ChennaiAirport #FlightDelay #PassengerRights #DGCA #AviationIndia @AmazingCreditC @cards_wizard @DGCAIndia @imYadav31 @CardNiti
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Ganesh Sonawane
Ganesh Sonawane@ganeshsonawane·
hey @grok explain how Elon buying Ryanair can be a very strategic step for SpaceX
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Gajender Yadav
Gajender Yadav@imYadav31·
Don’t have a premium card for insurance spends or gold purchases? 😩 No worries....HDFC Tata Neu Infinity Credit Card has you covered 💳🔥 Apply Now: bit.ly/HDFCtataNeuCre… ✅ Flat 5% NeuCoins on insurance payments ✨ 5% NeuCoins on Tanishq purchases 🎁 1st year free (limited-time offer) Apply now and turn your insurance + gold spends into rewards 🚀
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Luxury Stays for Less
Luxury Stays for Less@SujeethP·
I booked SL Airlines business class (CMB - MAA) using QR Avios for 12.5 miles + ₹5.5K taxes (revenue ~₹28K) per person. ✈️💰 It's a short flight on a narrow-body (A320), so in that sense, it might not be worth it. But for me, I had Avios points, so I essentially paid half the cost of an economy revenue ticket and the rest with Avios, and booked business class for entire family. 🤩✈️ MAA - CMB Biz would cost the same miles but fewer taxes (~₹2K). 💸
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Luxury Stays for Less@SujeethP

Flew back home after 8 nights in Sri Lanka! ✈️🇱🇰 Coastal tourism is great in Sri Lanka, India has a lot to improve on coastal tourism!! 🏖️🌊

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Punam🦋
Punam🦋@missintrover·
Reply as a Desi parents.
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