🧵 Benefits of Salary Account Over Savings Account: The Hidden Goldmine

💰 Your salary account is a GOLDMINE you're not using properly!
Most Indians don't realize they're sitting on ₹50,000+ worth of FREE benefits annually

Here's how to unlock perks that regular savings accounts can't match 👇 🎯 Zero Balance = Financial Freedom

Salary accounts = NO minimum balance requirement
Regular savings = ₹10K+ minimum balance penalty

Result: Keep your entire salary accessible without fear of charges!

🧵 Understanding Credit Limit: How Banks Decide Your Limit

🚨 EXPOSED: How Banks REALLY Decide Your Credit Card Limit!
🚫 MYTH: It's random or just based on salary
✅ REALITY: Banks use a SECRET 5-factor formula!

Most Indians get 50% LOWER limits because they don't know this! 🔢 THE SECRET FORMULA BANKS USE:

🧮 Credit Score (35% weight)
💰 Income Level (30% weight)
📊 Debt-to-Income Ratio (20% weight)
📈 Payment History (10% weight)
🏦 Banking Relationship (5% weight)

🔥 TOP 5 CREDIT CARDS for ALL Utility Bills in 2025!

✅ Mobile Recharge
✅ WiFi/Broadband Bills
✅ Gas Cylinder Booking
✅ Electricity Bills
✅ DTH Recharge
Stop losing ₹3000+ annually! The 3rd one is MIND-BLOWING 🤯
#CreditScore #CIBIL #personalfinance 🚫 MYTH: Most Indians pay 80K+ in utilities yearly and earn ZERO rewards!

✅ REALITY: Smart card choice = ₹4000+ annual savings on SAME expenses!

Mobile+WiFi+Gas+Electricity+DTH = Your new profit center 💰

🚨 5 Credit Score Myths That Are Costing Indians LAKHS!

95% of Indians believe these lies about CIBIL scores. The last one will shock you!

Let's bust these myths that banks don't want you to know 👇 MYTH #1: Higher Salary = Higher Credit Score ❌

REALITY: Your income has ZERO direct impact on your credit score

A person earning ₹25,000 with a perfect payment history will have a better score than someone earning ₹2 lakhs who defaults on EMIs!

Credit score = Credit behavior, NOT bank balance 💡

🧵 After my last thread went viral, I’ve been flooded with questions! Here’s your complete guide to the Yes Bank Kiwi RuPay Credit Card — from cashback tiers to real user tips . Let’s dive in! 👇 🚀 The Kiwi card is a Lifetime Free RuPay credit card by Yes Bank, tailor-made for UPI lovers. Scan & pay anywhere with UPI, and get credit-card-style cashback on every transaction. No annual fees. Ever.

🧵 UPI Credit Cards have EXPLODED!

From just 7-8 cards to 70+ options in 2 years! 📈

Here are the TOP 5 UPI credit cards that actually give you REAL cashback on every QR scan 🔥

Thread with exact benefits & which one to pick 👇 🚀 UPI CREDIT CARD REVOLUTION:

💡 Game Changer: Pay via UPI, get credit card rewards
🎯 Perfect For: Daily spends at local shops, vendors, restaurants
⚡ Why Now: Every merchant accepts UPI, finally get rewards!
The future of payments is here! 📱