Do you have a credit card that you don’t actually need?
Maybe you got a better card or
you got a card with high annual fees and realised that the cost doesn’t justify the benefit!
Well then DON’T CANCEL THEM!!
Downgrade them to reduce your expenses!!!
But why should you downgrade it instead of canceling?
Closing a credit card account can reduce the age of your credit history and cause your credit limit to reduce, leading to an increase in your credit utilization ratio on other cards.
These are both factors that impact your credit score — your length of credit history accounts for 15% of your score, while your credit utilization accounts for 30%.
But downgrading a card doesn’t cause any of these disturbances!!!
So, if you have devalued cards or not-so-frequently used cards, downgrade them if you don’t want to lose the credit history you have built!
I'm Firstt
Sab log aab finance ka gyan Dene Lage hai
हर कार्ड डाउनग्रेड नहीं होता, कुछ सबसे बेसिक कार्ड्स भी 500 से 1000 रुपए चार्जेस लेते हैं
I call customer care and asked to cancel it, then they downgraded card itself😁
Sab influencer ka common content " Credit Card " hi hai. Eg I follow my man bro.
Snoop dog 😎
downgrade is same as closing card which also affect credit score. in case of downgrade you just dont have any hassle of docs and kyc
But ye video main youtube pe dekh raha hu
Anushka how u maintain your beautiful hair
Hi Anushka. Thanks for the informative content.
I have one two doubts.
First, the hdfc people doesn't report credit limit to cibil so cibil score goes down. In this case, if my card is less than 2 years old, can i close the card- and will it affect the credit score or not.
Bdw its doesn't have any annual fees, if not can we just atop usong it or what to do.
Thanks in advance
Aisi hi smart biwi chahiye muze shadi krni hain to aisehi koi smart ladki se krni hain
Anushka ka nak katna chahiye 😂
Apke boli pe hi mar jane ka man karta hai Shona 😂
ye finance influencers log ne kitna halla macha rakha he cibil score ka, jese jee ya neet ka score ho gya.
Lage haath Hair oil ka ad bhi kardo
जय सेवालाल
I don't follow u in Instagram but i still use only HDFC & ICICI credit card
Sawal ye hai local train waali airport pai kya kar rahi thi…😂😅🤣🤣😅😅😅🤣🤣😅😅😂😂😂😅😅😅
I really love your hairs❤
1st considers 3 years history not 2
2nd downgrading/upgrading results in closing of existing card
Your suggestions are useless
mujhe nhi pata tha downgrade hota hai
New world new chutiyapa 😂
Long hairs 😍
Nothing is new ..😅
Haan uska kya jis bank mein koi free card hai hi nai toh..bakwaas baat
Thanks for sharing….
Still act can be improved
Hdfc me down gret ni krte agr krte hai to koun sa any one know ?
In Back When I reach To Discrete My Credit card bank waala be like chal teri maaka bosuda 😀
@anushka ek suggestion hai thoda slow bola Karo.. aur jab 2 characters ka role play kr rhe ho toh ek character se dusre character switch m thoda sa gap lo…
pakk chuke hain aisi videos dekh dekh k 🖕🏻🖕🏻🖕🏻🖕🏻
What if the customer service decline downgraded doesn't respond to that?
thanks anushka for this information, i was going to discontinue my first ever card which is 4 years old. i will downgrade my card
Hello I have aprox 18 credit card but they are different from different name and different number for eg my and my mother. There is any app to manage all credit with an app except cred
Wah
Toh insta pe ad dalo na 😢
Sbi bank me hoga
Credit history kab se delete hone lagi……….
Bhai ye india ki hi h na……..ya koi or desh mn pahuch gayi ye ladki…..
Bc konsa credit card aa gaya jo credit history pe impact ni dalega………
Dewa re dewa………uthale……uthale Bhai uthale
Women🤣🤣🤣🤣🤣
Bakwas