Bharat
3.7K posts

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













🚀 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








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!! 🏖️🌊










